At Prosperty, our job is to identify and secure the most attractive investments for you. We look at investments from a total return standpoint, taking a balanced approach that factors both yield from recurring rental income and potential capital appreciation into our selection process. We are also careful to balance the pursuit of high returns with value preservation and risk.

We aim to achieve a total Return On Investment (ROI) of up to 12% annualized over the property’s Investment Term (5 years).

The cash you will receive will be determined by the net yield of the property you invested in and the amount you invested.

Your share of the rental income of a property will be distributed to your Prosperty wallet. Although in some cases we may be able to distribute dividends on a monthly basis, we aim to declare and pay out dividends at least every quarter. The net distributions are calculated after all property related costs are deducted from the rent such as service charges, property management fees, Prosperty annual administrative fees, maintenance, insurance and any other SPV costs.

After receiving your dividends, the funds will be shown as available balance in your Prosperty wallet. You may then either withdraw the funds to your primary registered bank account or decide to re-invest the proceeds into another property on Prosperty. At the end of the Investment Term, your property will be sold and your share of the sale proceeds (after deduction of all relevant transaction costs) will be distributed to you in accordance with your ownership in the SPV. At that stage, your investment will be considered redeemed (with gain or loss) and the SPV will be subsequently dissolved.

At the end of the Investment Term, you and all investors have the opportunity to vote on whether to sell the property or hold for another six months. The proposed sale of the property will be carried out at the market value at the time, as per the latest market valuation report, within a +/- 10 % bracket.

In the event that the Property has reached a market value such that the ROI is in excess of 30% (the “Threshold ROI”), Prosperty will immediately initiate a voting process amongst all the Investors on whether or not to sell the Property and realize the expected ROI. If a majority decision to sell the Property is reached, Prosperty will then be instructed to initiate the sale of the Property on behalf of the PC.

At Prosperty, you benefit from two types of returns:

1. Rental income:

Your share of the rental income of a property will be distributed to your Prosperty wallet. We aim to distribute dividends on a monthly basis. Your dividends will be paid into your wallet and can be withdrawn or reinvested.

2. Capital appreciation:

This is the amount by which your investment is increases in value over time. This will be realized when you exit your investment.

Projected annual property appreciation: 5-6%.

Exit windows offer an exit strategy for sellers and a buying opportunity for buyers.

They act as our secondary marketplace, where investors can list their shares for sale and others users can buy them.

For buyers, the Exit windows offer much more investment and diversification opportunities through access to previously funded properties, as well as potential discount on prime real estate.

For sellers, the Exit window feature allows users to sell their investment shares before the end of the recommended 5-year holding period. This allows them to actively manage their portfolios and take control of the exit process if needed.

Exit windows are open for 2 weeks, once in May and again in November every year.

Properties become eligible for sale after a 1-year lock-in period from initial asset acquisition. Properties purchased in the Exit window will not have a lock-in period and can be listed for sale in the next window.

To list your shares for sale, go to your portfolio and scroll to “Sell your Prospertys”. All eligible properties (those that you have owned for more than 1 year) will be listed under the "Available" tab. Navigate to the listing page and then click on the "Create sell listing" button and follow the prompts on screen to create your sell listing.

While there are no additional fees associated with using the exit window feature, it's important to note that the usual 2.5% Prosperty exit fee and a potential 7% performance fee on any profit earned will still apply (as they would if you waited for a full property exit as well).

There may be initial transaction costs from the initial property acquisition that can reduce investor returns, but these costs are not related to the exit window feature. The specific fees and costs due for your investment will be displayed when you create your sell listing.

Sellers A and B can dictate the price for their shares and offer a different discount at their discretion. Buyers see all available offers and have the option to choose if they prefer to buy shares from all offers/available lots at different prices.

When you create a sell listing, your shares are made available for buyers to purchase. It's possible that no one buys your shares. In this case, they remain under the ownership of the respective original owner/attempted seller, which in this case is you.

It is possible that buyers purchase only a few of your shares and not all. This is known as a Partial fill.

In such a case, any unsold shares remain in your portfolio and you will continue to earn any dividends or distributions associated with the asset.

You will be able to list your shares for sale again in the next exit window. Shares are sold on a first-in first-out approach based on your listing date.

Once the property is fully funded, title deeds and share certificates proving your ownership will be made available within 2-4 weeks. The title deed will be issued by the Dubai Land Department and will show the SPV as the owner as well as outline details of the property. The share certificate will be issued by Prosperty and will evidence your ownership in the SPV.

All our properties will be divided into shares worth AED 1 (or approximately USD 0.27 each). So for an investment of AED 10,000 you will get 10,000 shares in a given property. If the property is being acquired for AED 1,000,000 it will be divided into 1,000,000 shares and for your investment of AED 10,000 you will own 1% of the asset.

As a DFSA regulated entity, we are required to do a background check on all of our investors. This is part of our Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. This is to keep our platform secure from any fraudulent activity and aims to give you peace of mind that we are accountable to one of the leading financial regulators in the world.

In such a case, if the property is more than 80% funded, we may ask the seller to extend the fundraising period by up to 1 week as we aim to raise more funds. This is totally dependent on the seller of the property.

If the above does not occur and funds are insufficient, we will cancel the investments made in that property and release the money back into your Prosperty wallet. You may then either withdraw the funds to your primary registered bank account or decide to re-invest them into another property on Prosperty.

Every unit owned by Prosperty investors will have a designated Property Manager who is authorized by the Real Estate Regulatory Authority (RERA) and approved by Prosperty. The SPV will enter into a Management Agreement with the Property Manager. In case of a change in Property Manager, Prosperty will notify you accordingly, as well as details regarding the new Property Manager.

As part of our commitment to being fully transparent with our investor base, all properties offered on the platform will include a full 3D walkthrough, high resolution photos and inspection reports. However as we generally look to offer properties that are already tenanted, visiting those units can be difficult and impractical, especially with many investors in each property.

It is therefore not possible to arrange visits to properties.

Yes. Prosperty is required by the DFSA to keep all client information up to date.