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EQUITYLINE USA REIT
EquityLine has been a consistent source of high-yield income for our investors since 2014. We’ve never missed a dividend payment.**
An opportunity ONLY open to qualified and accredited investors.
*For more information about our minimum and target returns and a list of associated Risks related to Real Estate investments, please read our Offering Memorandum.
PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS
**As of December 31st, 2023.
EquityLine USA REIT invests in short-term, high-yield, non conforming mortgages that pass our rigorous due diligence process. Our goal, which we have a track record* of achieving, is to be a consistent source of monthly income.
Our fund will be primarily invested in short-term mortgages on multi-family properties. We are focusing on properties in North Carolina, Florida, and Texas. We invest in mortgages that are qualified through our rigorous underwriting and loan review process.
Common shares with a preferred return are available to qualified and accredited investors with a minimum investment of $10,000.
The offering is IRA-ready.
WHY EQUITYLINE
When we say high-yield we mean 10% or more.
We have a scheduled minimum annualized distribution of 8%* but have designed our investment process to achieve far more. See below.
We sit on the same side of the table.
We do not share in the profits until investors have received a 10% annualized return. This means our goal is to secure profits for our investors so we can receive profits too.
Short durations.
We keep our mortgages short, around 12 months. This enables us to charge a higher interest rate, and limits our exposure to fluctuations in interest rates.
Growth-oriented locations.
We are investing in multifamily (apartment buildings) properties in first position mortgages primarily in North Carolina, Texas, and Florida, which are among the top states in the nation in population and job growth.**
Short durations mean exiting the mortgage swiftly.
EquityLine works with larger institutional lenders who rely on EquityLine’s due diligence process to identify suitable borrowers. Most institutions cannot move with the speed of EquityLine and may require a borrower to have made consistent payments before purchasing the mortgage, opting to “season” the loan following it from EquityLine’s underwriting until its purchase.
A track record of excellence.
The EquityLine Group has not missed an investor distributio. Our management team boasts over 100 years of real estate and investing experience, and they are supported by an independent board of directors with extensive specialized knowledge in a variety of relevant fields: financial services, regulatory matters, and public trading.
*For more information about our minimum and target returns and a list of associated Risks related to Real Estate investments, please read our Offering Memorandum.
PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS
**Employment up more than 3.0 percent in Nevada, Texas, and Florida, July 2022–July 2023, US Bureau of Labor Statistics, August 24, 2023
https://www.jec.senate.gov/public/index.cfm/republicans/nc/
1 As of December 31st, 2023.
OUR GEOGRAPHIC FOCUS
We focus on three states in the US because:
*”North Carolina’s Strong Population Growth Continues” Office of State Budget and Management, December 20, 2023
**”Out-of-State Movers to Florida Hit Highest Level in Nearly Two Decades with New York, California, and New Jersey as Top States of Origin”, by Gay Cororaton, Miami Realtors Chief Economist, October 30, 2023
INVESTMENT TYPE
Principally, we believe that there are strong opportunities for our fund to provide short- duration loans for high-quality multifamily borrowers in the population and job-growing states of North Carolina, Florida, and Texas.**
Geographic diversification helps mitigate some of the risks associated with mortgage lending. Our loans are non-conforming, short-term (max 18 months), and only offered to borrowers who have been vetted by our extensive, market-tested due diligence processes.
Further, given the short terms of our loans, we create a refreshing pool of capital, attracting even more quality borrowers.
**Bureau, U. C. (2023, December 19). U.S. Population Trends Return to Pre-Pandemic Norms as More States Gain Population. Census.Gov.
https://www.jec.senate.gov/public/index.cfm/republicans/nc/
INVESTMENT PROCESS
We have developed a disciplined investment process.*
Rigorous underwriting
policies and practices
EquityLine USA REIT only lends to quality multifamily borrowers primarily on their first mortgage, aiming for an interest rate of 12-13%.
Short-term loans (average of 12 months with the potential for a six-month extension)
Focusing on short-term loans helps to mitigate volatility and protect against changing interest rates.
Maximum 75% LTV (loan-to-value)
This leaves a minimum 25% buffer in case of real estate market fluctuations.
Experienced managment team guided by an independent board of directors
The EquityLine Group of Companies’ management team has over 100 years of real estate and investing experience. The team is supported by an independent board of directors with extensive knowledge of financial services, regulatory matters, and has publicly traded reporting experience.
Strategic focus on high-growth areas
Our investments are centered on North Carolina, Florida, and Texas, based on the significant job growth in these states. North Carolina has seen a 2.2% increase in employment while both Florida and Texas have seen 3% increases.**
*For more information about our minimum and target returns and a list of associated Risks related to Real Estate investments, please read our Offering Memorandum.
PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS
**Employment up more than 3.0 percent in Nevada, Texas, and Florida, July 2022–July 2023, US Bureau of Labor Statistics, August 24, 2023
https://www.jec.senate.gov/public/index.cfm/republicans/nc/
1 As of December 31st, 2023.
Included as part of our loan assessment process, each loan is examined and assessed as to which institutions would be interested in purchasing the mortgage note from EquityLine.
Most institutions are much larger than EquityLine and may offer conforming mortgages.
Many institutions rely on sourced loans from EquityLine for its due diligence and will enter into early purchase agreements with the caveat that the loan has been “seasoned” for six to twelve months. This is a “sweet spot” for EquityLine.
FAQ
Who can invest in EquityLine USA REIT?
Income-seeking investors who are qualified or accredited.
How do I invest?
Shares are available through EquityLine USA REIT for $10 per share with a $10,000 investment minimum.
Are there IRA options available?
Yes! Our investment minimum is $10,000 and can come from a self-directed IRA.
What happens if there’s a downturn in the multiple real estate markets?
EquityLine USA REIT’s underwriting process has components that help mitigate risk from real estate market fluctuations:
Please read our Offering Memorandum for definitions on eligible groups.
INVESTOR BENEFITS
EquityLine USA REIT is a high-yield investment. Our investors are generally seeking:
Monthly income to build wealth or supplement their income.
To expand or diversify the income part of their investment portfolio.
To help mitigate the effects of inflation.
A hard asset-backed investment with different characteristics of other income-oriented investments for diversification.
INVESTMENT GUIDE
Download our investment guide to find out how EquityLine USA REIT is tailor-made to distribute consistent monthly income.
DOWNLOAD OUR INVESTMENT GUIDEWEBINARS
The Investment Strategies Behind Our Target 10% Annualized – and Beyond
Watch the webinar replay and read the answers to the questions that we didn't have time to answer live.
ABOUT US
EquityLine USA REIT, formed in 2023, intends to build on the track record and experience of the EquityLine Group of Companies. The EquityLine Group of Companies, based in Richmond Hill, Ontario, is comprised of Canadian and US companies that offer a full range of mortgage services, real estate management, and development through interrelated corporations and third-party partners. Founded almost a decade ago, the group has grown
in response to increasing demand for its services.
MEET OUR TEAM
EquityLine has an experienced team of senior managers with decades of experience in real estate and mortgage financing.
SERGIY SHCHAVYELYEV
President; Director
KISHAN ALEXANDER
Chief Financial Officer
ZACH WAGNER
Chief Investment Officer
BYRON RASTRULLO
Vice President, Advisor Relations
SEAN McGINLEY
Independent Director
CA PERERA
Independent Director
TINA BATOVA
Investor RelationsAssociate
EquityLine USA REIT © 2024 | Privacy Policy
“This website (“Site”) is to be used for general information purposes only. It is not intended to provide financial, legal, accounting or tax advice. Past performance is not a guarantee of future returns. The price of any securities mentioned here and the income investments generate, if any, may fluctuate and/or be adversely affected by market factors, and investors may incur losses on investments in such securities, including the loss of investment principal. There is no assurance of any return on an investor’s investment. Investment in EquityLine NY Limited Partnership is not insured. No regulatory authority has assessed the merits of the financial products or the information about them contained in this Site. The information in this Site does not constitute an offer to sell or a solicitation to invest in EquityLine NY Limited Partnership. The securities of EquityLine NY Limited Partnership may only be sold through registered dealing representatives who can assess suitability. An investment in the securities involves significant risks and is not suitable for everyone. Investors should consult their own counsel and seek advice from a registered financial advisor before making an investment decision. While we intend for the information in this Site to be accurate, no representation or warranty is made with respect to the accuracy or reliability of such information. Except to the extent that information is set forth in the most current Prospectus of EquityLine NY Limited Partnership. Prospective purchasers of securities of EquityLine NY Limited Partnership should not rely on the information contained in this Site.
Forward Looking Statements & Financial Projections: This material may contain statements, estimates or projections that constitute “forward-looking statements” as defined under applicable securities laws. Often, but not always, forward-looking information can be identified by the use of words or phrases such as: “expects”, “anticipates”, “plans”, “estimates”, “projects”, “believes”, “intends”, “likely”, “possible”, “probable”, “scheduled”, “positioned”, “goal”, “objective” or states that certain actions, events or results “may”, “could”, “would”, “might” or “will” be taken, occur or be achieved. In particular, this material’s forward-looking information concerning: EquityLine NY, LP ’s use of proceeds, payment and of dividends, stability and rate of return on investment, the nature of EquityLine NY, LP ’s mortgage investments, market and trend information, and pro forma and certain other financial information. Forward-looking statements and financial projections are based on the opinions and estimates of EquityLine NY, LP at the date the statements are made and are subject to a variety of risks and uncertainties and other factors that could cause actual events or results to differ materially from those anticipated in the forward-looking statements and financial projections. Although we believe that the expectations reflected in the forward-looking statements and financial projections are reasonable, there can be no assurance that such expectations will prove to be correct. We cannot guarantee future results, level of activity, performance or achievements and there is no representation that the actual results achieved will be the same, in whole or in part, as those set out in the forward-looking statements and financial projections.
Important factors that could cause actual results to differ materially from expectations include. But are not limited to: [insert list of risk factors here that matches categories of risk factors used in prospectus and on website.] You are cautioned that this list of factors should not be construed as exhaustive.
The forward-looking statements and financial projections contained in this presentation are expressly qualified by this cautionary statement and by the information included in the Prospectus. Except as required by law, we undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, after the date on which the statements are made or to reflect the occurrence of unanticipated events. You are cautioned not to place undue reliance on forward-looking statements or financial projections.
SERGIY SHCHAVYELYEV
President; Director
Sergiy Shchavyelyev currently serves as the CEO and Founder of the EquityLine Group of Companies, overseeing entities such as EquityLine Mortgage Investment Corp. (EquityLine MIC), EquityLine Financial, EquityLine Services Corp., EquityLine Diversity Limited Partnership, EquityLine Real Estate Limited Partnership (REIT), EquityLine New York Limited Partnership and EquityLine New York Service Corp. With extensive expertise in the real estate sector, Sergiy is a seasoned leader specializing in lending, development, and mortgage origination. His portfolio includes successfully executing multi-million-dollar transactions and subsequent redevelopment. Alongside the EquityLine Group of Companies, Sergiy holds partial ownership in a family-operated real estate enterprise, focusing on diverse projects ranging from residential and commercial developments to custom-built dwellings, apartment complexes, and large-scale commercial real estate ventures. Sergiy’s cumulative involvement in real estate transactions surpasses a billion dollars. His academic qualifications include a Financial Accounting certificate from Harvard Business School and a Master of Law Degree from Mechnikov National University. Actively engaged in professional associations, Sergiy is a member of esteemed organizations such as PCMA Canada (Private Capital Markets Association of Canada), ONMICA (Ontario Mortgage Investment Companies Association), and co-founder and member of CAMLA (Canadian Alternative Mortgage Lender Association). Furthermore, he actively contributes to the industry as a member of the advisory committees of both PCMA Canada (Private Capital Markets Association of Canada) and CAMLA (Canadian Alternative Mortgage Lending Association). It is worth mentioning that Sergiy is a dual citizen of both Canada and the Republic of Ukraine, which further reflects his international perspective and experience.
KISHAN ALEXANDER
Chief Financial Officer
Kishan Alexander currently holds his Property and Casualty license with World Insurance Associates (WIA) since 2017. While serving as CFO of the Company, Kishan will maintain his licensing and continuing education relationship with WIA. Mr. Alexander’s role with WIA has him supporting Pensio Global, a credit risk management company, specializing in providing proprietary rental income risk management products and guaranteed income solutions tailored for real estate developers and lenders in the US and Canada. In addition to his professional background, Kishan is also the co-founder of the CRE Connect Summit, an event that concentrates on the advancement of multi-family and affordable housing. He actively serves on the board of the Asian Real Estate Association of America (AREAA) and the Asian American Chamber in Washington, DC. Furthermore, he has obtained a Commercial Lines Coverage Specialist degree (CLCS) from the Hartford School of Insurance. In his capacity with the Company, Kishan will not only fulfill his CFO responsibilities but also prioritize risk mitigation efforts.
ZACH WAGNER
Chief Investment Officer
Zach Wagner is the Chief Investment Officer at Equityline NY, leading originations, loan servicing, and asset management. He joined StackSource as a Director in March 2020, with over three years of finance experience, including a prior role as an independent analyst for small organizations and opportunity funds. His expertise lies in debt and equity financing for commercial real estate, contributing to $1.2 billion in capital market transactions. Based in Dallas, TX, Wagner also owns an 8,000-acre upstream oil and gas operation in West Texas, demonstrating his entrepreneurial skills in the energy sector. This venture, supported by 15 full-time employees, showcases his commitment to the industry and includes a successful ESG initiative that focuses on reducing harmful emissions in upstream processes. Educationally, Wagner holds certificates as a Financial Modeling and Valuation Analyst and a Credit Analyst from the Wharton School of Business and the Corporate Financial Institute, underscoring his versatile expertise in finance and energy.
BYRON RASTRULLO
Vice President, Advisor Relations
In 2023, Byron joined the EquityLine Group with a specific focus on expanding the network encompassing Investment Advisors, Portfolio Managers, Family Offices, and Pension Funds. With over a decade of experience as a highly accomplished Investment Advisor in the Southern Ontario region, Byron brings extensive expertise to this role. Having exited a prosperous private Investment Advisory practice in 2022, Byron ventured into founding an independent consulting firm catering to small and mid-sized businesses. His achievements include successful partnerships with prominent global service-based entities, such as Axial Capital in London, UK. In this capacity, Byron cultivated C-Suite relationships with international business owners, providing comprehensive services encompassing capital raising, advisory, real estate financing, and facilitating public markets listings.
SEAN McGINLEY
Independent Director
Sean McGinley is a licensed Real Estate Agent with over a decade of experience in luxury real estate sales and over $500M in total deal volume. Well-versed in providing pertinent market information and personalized marketing strategies, Sean’s passion for real estate and attention to detail keep him ahead of the curve when it comes to every aspect of a deal. Ranked in the top 1.5% of agents nationwide, Sean presently works for Compass Real Estate and has been employed at this firm for 5 years. His experience includes years of residential and commercial brokerage, consulting, and advisement. Whether he’s working with his vast network of family offices, international investors, life-long New Yorkers, or first-time homebuyers, Sean’s deep knowledge of the city’s landscape is unrivaled, positioning his clients for smooth and successful transactions. Sean received a Bachelor in Business Management and Entrepreneurship from Baruch College with a concentration in Real Estate, and he sits on the Executive Committee for NYRS (New York Residential Specialists).
IDIN DALPOUR
Independent Director
Idin Dalpour serves as Managing Principal of Maxben Group, a diversified real estate investment firm he founded in 2017. Mr. Dalpour directs all firm activities relating to investments, acquisitions, operations, and management. Mr. Dalpour has structured and executed numerous commercial real estate transactions and spearheaded development projects in the multifamily, medical office, industrial and luxury hospitality asset classes. He has been a key principle in over $250 million of real estate transactions and development projects in the US, Europe, and Caribbean. Mr. Dalpour holds a B.S. in Finance from American University and an M.S. in Real Estate Finance and Investment from New York University.
CA PERERA
Independent Director
CA Perera is a Managing Partner of CAP Global Properties (“CAP Global”). Mr. Perera has been employed by CAP Global for the last 10 years. He has experience in real estate acquisition, disposition and management. CAP Global transacts in residential and commercial properties across the U.S., including Florida, California, New Jersey, and New York. Prior to CAP Global, Mr. Perera was employed by Goldman Sachs in the real estate group where he played a pivotal role in sourcing and negotiating an off-market $300M industrial properties syndicated debt deal Prior to that he was employed by Kimco Realty, Blackstone, and JP Morgan Chase. He is an angel investor in several startups but serves no formal role as either officer or director in those enterprises. He received a bachelor’s degree from Columbia University.
TINA BATOVA
Investor RelationsAssociate
In 2023, Tina assumed the role of Administrative Services Manager at EquityLine, leveraging her extensive expertise in business administration with a focus on account management and financial responsibilities. Her distinguished career is marked by notable positions such as Administrative Assistant/Accounts Payable at DrillTech Drilling and Executive Assistant/Accounting Assistant at Solid General Contractors. Additionally, Tina contributed to the field of account management through her role as an Account Manager at Empyrean Merchant Services.
Tina's skill set is underscored by exceptional organizational and time management capabilities, as evidenced by her successful track record in various roles. Her educational background is equally impressive, featuring the completion of the Canadian Mortgage Agent Course and Financial Accounting at Toronto Metropolitan University and George Brown College, reflecting her commitment to ongoing learning and professional development.