LoftyAI is a tokenized real estate platform. Investors own physical real estate investment through US companies. We receive the rents as dividends paid in stable coin on the blockchain Algorand. A due diligence is required since some properties may be overpriced. I've highlighted how to perform a due diligence on US properties in the following videos.
The properties are not always overprices of course, but it happens sometimes. As investors, we should select only the best properties and make sure to buy them at a fair price.
L'investisseur est propriétaire de parts de sociétés qui détiennent les biens immobiliers. Ces actions sont représentés par des security tokens.
Yields are calculated based on the projects analyzed on this site and not on all projects.
⚠️ The higher the yield, the higher the risk.
⚠️ Information about delays of more than 6 months is not available for Lofty
⚠️ Information on permanent losses is not available for Lofty
The minimum amount to invest is 50$.
Lofty has a low minimum amount to invest.
🌎 The financial income are taxable in the investor's country of tax residence.
In France, since January 1, 2018, income from movable capital as well as capital gains from securities sales are subject, when taxed, to a flat-rate withholding tax (PFU) of 12.8%, to which social security contributions of 17.2% are added, making a total rate of 30%.
However, you can choose, when declaring your income, for a global taxation of these income and gains at the progressive income tax rate by checking box 2OP. You may be exempted from the portion corresponding to the flat-rate withholding tax of 12.8% for income tax purposes if your reference fiscal income for year N-2 was less than €25,000 (€50,000 if you are married). When making your declaration, you have the option to maintain the choice for taxation at 30%, or to submit your capital gains to the progressive income tax rate (to which 17.2% social security contributions will be added).
➡️ Search for previous reviews of chez Lofty
A real estate crowdfunding operation involves several categories of risks:
➡️ Operational Risk: human errors, incompetence, material shortages, delivery delays, poor management, accidents on site, provider bankruptcy...
➡️ Technical Risk: unpleasant surprises during soil and foundation studies, pollution, thermal, acoustic issues...;
➡️ Administrative and Legal Risk: difficulties in obtaining a fully cleared building or development permit, administrative authorizations, Financial Completion Guarantees, Construction Insurance, or All-Risks Site insurance, compliance of sales documents, poorly assessed urban planning authorizations;
➡️ Financial Risk: poor cost analysis, budget overruns, lower profit margins, obtaining bank credit, etc.;
➡️ Commercial Risk: insufficient pre-marketing, insufficient local market study (prices, needs, location...), delays in lot sales (commercialization), neglected suspensive conditions, unfavorable market evolution, risky sales strategy, overly optimistic exit prices, etc.
Beyond the analysis of the real estate project itself, crowdfunding platforms examine the financial and operational strength of the companies participating in the operation, which also face potential risks, mainly financial.
The evaluation thus focuses on numerous criteria, including:
➡️ Legal and Financial: capital structure, ongoing disputes, income statements and financial statements, solvency, profitability, liquidity, level of equity, etc.
➡️ Operational: organizational chart, experience of the executives, history of successfully completed operations, quality of previous programs, reputation, etc.
➡️ Financial Statements: financial statements (balance sheet and income statement) of the operator must be analyzed to determine its financial health.
➡️ Fraud: The operator may file for bankruptcy fraudulently or abscond with funds, which is why guarantees on cash flows are necessary.
Even with good preparation, it is impossible to anticipate climatic events (flooding, frost, storms...), macroeconomic factors such as sudden changes in property prices or interest rates, high inflation, etc., or legislative changes (regulatory modifications, taxation changes...), or situations of war. These risks are difficult to control. It is essential that operators have taken out the necessary insurance and that sufficient financial margin is planned to cope with potential contingencies.
Les actions des LLC et INC propriétaires des biens immobiliers sont détenues dans des registres chez RealT. Ces parts de sociétés sont représentés par des tokens sur la blockchain Gnosis où Ethereum MainNet. Pour être revendu, le propriétaire doit demander à être whitelisté chez RealT. Il serait donc difficile de se faire voler ses actes de propriété même si le crypto-wallet est compromis. Les loyers sont versés chaque semaine sur le wallet en stable coin USDC. Si le wallet est compromis, il y a un risque de se faire voler ses USDC. Et il n'y aurait alors aucun moyen de les récupérer. Pour éviter que cela n'arrive, il ne faut jamais transmettre sa pass phrase. On préfèrera aussi un cold wallet déconnecté d'Internet pour une meilleure sécurité.
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