Why Unite?
The Affordable Housing Crisis is wreaking havoc on our communities. We collectively have the power to affect change. When investors align their capital with affordable housing preservation, communities thrive. Our solution is simple. You loan us money, we use that money to buy apartment buildings. Instead of raising rents and displacing families, we make improvements and keep rents at affordable levels so working families can flourish. You benefit by affecting positive change in your community and earn interest on your investment.
How It Works
We use crowdfunding to benefit communities. You, along with others, loan us money, and we issue you a promissory note to pay you back with specific terms. We use those funds to purchase apartment buildings that likely would otherwise be purchased by for profit apartment investors. Once we buy the property, instead of raising rents on long term families that live there, we stabilize rents going forward so that the apartments remain affordable for the community in perpetuity. We add in supportive services to foster growth in the communities we serve.
You Loan Us Money
We provide different return options based on your level of commitment. The process is streamlined by our crowdfunding platform. You enter in your details, sign disclosures and confirm the funds transfer.
We buy Apartment Buildings
Currently we are targeting Central Florida with plans to expand nationally across the USA. There are properties on the market as well as off-market that are viable deals which support our Mission.
Communities Thrive & You Earn Interest
Preserving affordable housing in our communities has far reaching impact. Your investment will prevent displacement of local families and foster immeasurable growth. You are paid interest quarterly.
CHOOSE YOUR IMPACT
Select The Investment Class That Aligns With Your Goals
Each tranche represents a different class of investment with its own minimum investment amount, term length, and interest rate—allowing you to select the level of commitment that best aligns with your financial and charitable goals. Whether you’re focused on social impact with a smaller contribution or seeking stronger returns through a longer-term investment, our structure is built to accommodate a range of priorities while supporting our mission to preserve affordable housing and provide you with a return on your investment.
Social Impact
4%Entry Level Commitment, Social Impact
(4% interest paid quarterly)
Community Growth
5%More Commitment, More Return
(5% interest paid quarterly)
Yield Builder
5.5%Strong Commitment, Strong Return
(5.5% interest paid quarterly)
Legacy Capital
6%Long Term Commitment, Best Return
(6% interest paid quarterly)
Target Properties
5 – 200 Unit Apartment Buildings
Commercial multifamily buildings represent the greatest potential impact and housing preservation opportunities. The multifamily asset class is generally considered one of the most stable investments you can make.
Low Income / Workforce Housing
These families need our support. Investors target these properties as they produce higher cash flow compared to Class A properties. Often times the properties are run on a shoestring budget to extract as much income as possible.
“Value Add” Deals
These are properties that are known to have “deferred maintenance” and “below market rents” and often are owned by long-term mom and pop landlords who have personal relationships with the tenants who have made the unit their “home”. These properties are prime targets for real estate investors.
The Crisis
Studies show that most markets across the USA currently need 3X – 4X more affordable housing units. Lack of affordable housing profoundly affects communities, forcing families to move further away from loved ones and work, or remain and potentially face eviction, leading to increased homelessness, financial ruin, strained public services, and diminished quality of life. Overcrowded living situations can also exacerbate mental health issues such as stress, anxiety, and depression. Children in unstable housing environments are particularly vulnerable, experiencing disruptions in education and developmental challenges. Economically, communities suffer as residents have less disposable income to spend on goods and services, workforce mobility and economic growth are hampered, as individuals are unable to relocate for job opportunities or face long commutes due to high housing costs. This no longer affects the “poor” but also now includes over 50% of the population.
How Communities Benefit
Stabilized Rents for Residents
- Prevents displacement of working families, seniors, and essential workers.
- Residents can stay long-term and invest in their neighborhood.
- Predictable rents help residents save, plan, and thrive.
Stronger Local Economy
- Residents with stable housing spend more locally and participate in the workforce more reliably.
- Reducing rent burdens means more money flows to businesses, schools, and services.
- Keeps teachers, nurses, and service workers living in the communities they serve.
Better Outcomes for Kids & Families
- Less school disruption due to housing moves.
- Better educational, health, and emotional outcomes linked to stable housing.
- Families aren’t forced to choose between rent and food, medicine, or education.
Preservation = Lower Cost than New Construction
- Acquiring existing buildings is faster and cheaper than building new ones.
- Unite Housing leverages tax exemptions and investor capital to preserve affordability without subsidies.
- This helps local governments stretch housing dollars further.
Equity, Inclusion, and Anti-Displacement
- Prevents gentrification-fueled displacement of long-time residents.
- Ensures that neighborhoods remain mixed-income and racially diverse.
- Gives voice and dignity to residents often left out of housing decisions.
Better Management & Long-Term Vision
- Unite Housing acts as a community steward, not a speculator.
- Nonprofit ownership means no pressure to extract profit at the cost of tenants.
- Properties are managed with care, stability, and long-term reinvestment in mind.
Long Term Affordability & Viability
- In 10 years, Unite Housing rents will be 27.3% lower than market rents
- Unite Housing rents only increase to offset expense inflation
- In 20 years time, Unite Housing rents will be 48.5% lower than market rents
Who Lives Here? (To Name a Few Careers)
Households Earning <$30K
Service Workers, City Employees, Receptionists, Admin, Drivers, Cooks, Cashiers, Barbers, , The Elderly, Disabled, Vets and the Previously Homeless
Households Earning <$45K
Construction Workers, Service Workers, Restaurant Employees, Retail Employees, Nursing Assistants, Medical Staff, Housekeepers, Agricultural Employees,
Households Earning <$60K
Teachers, Professional Assistants, Insurance Admin, Maintenance, Tech Support, Professional Services, Salespeople, Library Staff, Nutritionists
Our Plan:
Capital raised will be used to:
- After successfully raising funds, Unite Housing deploys capital to purchase multifamily properties and convert them to affordable housing. We do this by:
- Maintaining property rents at under 30% of household income, aligned with HUD Fair Market Rents
- Serving Florida families whose household income qualifies as below 80% of AMI
We target a stabilized 1.20 DSCR to ensure Unite can pay investor returns while weathering unforeseen events. (This means we have at least a 20% buffer after paying our property expenses and debt.)
Long-Term Commitment We do not plan to ever sell properties. Our goal is to preserve affordable housing in perpetuity.
Here’s how the cost of housing diverges over 50 years between market-rate housing and Unite Housing’s plan:
Key Assumptions:
Market rent increases: 4.4% annually
(based on average inflation adjusted rent increases in Florida from 2000 – 2023)
Unite Housing projected rent increases: 0.75% annually
Median income growth (inflation-adjusted): 0.765% annually
(based on inflation adjusted median income growth in Florida from 2000 – 2023)
Starting rent: $1,000/month
Starting household income: $50,000/year
Market Rent vs Unite Housing’s Affordable Plan
With Median Household Income Projections
| Year | Market Rent | Unite Rent | Household Income | Market Rent / Income (%) | Unite Rent / Income (%) |
| 1 | $1,000.00 | $1,000.00 | $50,000.00 | 24.0% | 24.0% |
| 10 | $1,538.17 | $1,104.62 | $53,959.40 | 34.2% ⚠️ | 24.6% ✅ |
| 20 | $2,365.97 | $1,220.19 | $58,232.33 | 48.8% ⚠️ | 25.1% ✅ |
| 30 | $3,639.28 | $1,347.85 | $62,843.63 | 69.5% ⚠️ | 25.7% ✅ |
| 40 | $5,597.83 | $1,488.86 | $67,820.09 | 99.0% ⚠️ | 26.3% ✅ |
| 50 | $8,610.43 | $1,644.63 | $73,190.63 | 141.2% ❌ | 27.0% ✅ |