Platform & Legal Structure

What is EquiNest and how does it work?
EquiNest is a platform that allows investors to back income-qualified buyers in acquiring affordable housing in NYC HDFC co-ops. Investors provide capital in exchange for a share of appreciation.
What legal structure governs investments (LLC, C-Corp, SPV)?
Each investment is structured via a special-purpose vehicle (SPV), ensuring transparency, liability protection, and legal separation.
How are investor rights protected?
Through contracts that outline repayment terms, equity share, compliance obligations, and dispute resolution mechanisms.
Are investments SEC-compliant?
Yes. We work with legal counsel to ensure all offerings comply with relevant securities regulations, typically under Regulation D exemptions.
Is EquiNest compliant with HDFC resale restrictions?
Yes. All agreements are tailored to work within the strict rules of HDFC co-ops, including restrictions on resale prices and buyer eligibility.

Returns & Exit Strategy

How do investors make money?
Investors earn a share of the appreciation upon resale, buyout or refinance. Terms are clearly defined in each SPV agreement.
What is the expected return on investment (ROI)?
Returns vary by deal and market, but we target ~6-10% annualized IRR over the investment horizon, aligned with NYC affordable housing appreciation trends.
What happens if an applicant defaults or exits early?
Each agreement includes legal guardrails and contingency plans. EquiNest steps in to manage recovery and minimize investor risk.
How and when can I exit my investment?
Typically upon resale, refinance, or a predetermined holding period. Some investments may offer buyout provisions earlier.

Risk Management

What are the biggest risks involved?
Delays in resale, regulatory changes, or applicant non-compliance. These are mitigated through legal structuring, reserves, and applicant vetting.
How does EquiNest screen applicants?
Through financial, credit, and behavioral screening. We also require education modules to ensure readiness for homeownership.
Is there insurance or a reserve fund?
Yes. Each deal includes reserves for legal fees, maintenance gaps, or unexpected costs.

Impact & Mission

How is EquiNest supporting housing equity?
By unlocking capital for income-qualified residents while ensuring ethical investor participation and community protection.
Can I invest in specific buildings or applicants?
Yes. Investors can choose to back specific profiles, neighborhoods, or buildings that align with their values.
What does my capital actually enable on the ground?
Your investment directly enables a family or individual to access affordable, stable housing and build generational wealth in NYC.
EquiNest is not a lender, adheres to co-op/HDFC rules, and qualifies for SEC exemption Reg D