Investor Disclosures

1. No guarantee of return

Target returns described on this website and in associated investor communications represent stated objectives based on note pricing at origination. They are not guarantees, projections, or assurances of future performance. Investments may lose value. Past performance does not predict future results. The structural protections described elsewhere on this site — recorded liens, conservative loan-to-value, hazard insurance, documented exits — are designed to make recovery the most likely outcome but do not eliminate the possibility of loss.

2. Not a deposit account

Investments in real estate notes are not deposit accounts. They are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), the Credit Union National Association, any state agency, or any other governmental or private guarantor. They are not bank-guaranteed. Capital placed against a note is at risk of loss.

3. No offer or solicitation

The contents of this website are for informational purposes only and do not constitute an offer to sell, a solicitation to buy, or a recommendation regarding any security, lending product, or investment opportunity. Specific investment opportunities are presented only to investors who have completed the intake process and been confirmed as eligible for the relevant structure. Some opportunities may be available only to accredited investors as defined in Rule 501 of Regulation D under the Securities Act of 1933.

4. Securities classification

Direct lending positions where the investor is the named lender of record on a recorded deed of trust are typically structured outside the definition of "security" under the Howey and Reves tests. Some structures may constitute securities subject to state and federal exemptions including, where applicable, intrastate offering exemptions, Rule 506(b) or 506(c) under Regulation D, or state-specific direct-lending exemptions. ReV does not provide legal opinions on classification; you should consult independent counsel before investing.

5. Risk factors

Investing in real estate notes involves substantial risk, including but not limited to:

• Borrower performance risk. Borrowers may pay late, default, or seek modification.
• Asset valuation risk. Real estate values can decline. A market correction during a note term may compress LTV cushion and impair recovery in a forced sale.
• Liquidity risk. Notes are private investments. There is no public secondary market. Capital is committed for the duration of the note term and is not redeemable on demand.
• Concentration risk. Single-position investing exposes capital to single-asset risk. Diversification across multiple positions is generally appropriate for investors with capital to do so.
• Time risk. Borrowers occasionally pay off late. Interest continues to accrue, but principal does not return until payoff.
• Legal and enforcement risk. Foreclosure, trustee sale, and related enforcement processes vary by state and may take six months or longer to complete in judicial-foreclosure jurisdictions.
• Title and lien-priority risk. Although ReV reviews title commitments and obtains lender’s title insurance, undiscovered title defects could impair lien priority.
• Casualty risk. Loss or damage to the underlying asset is mitigated by hazard insurance with the lender named as additional insured, but uninsured events are possible.
• Tax law changes. Federal and state tax treatment of mortgage interest income could change in ways that affect after-tax returns.

6. Conflicts of interest

ReV earns origination and servicing fees from borrowers as part of each note structure. These fees create an incentive to originate loans. We mitigate this conflict by maintaining a documented underwriting framework, applying it consistently, and walking away from positions that fail the framework regardless of revenue impact. Investors are encouraged to ask about ReV’s economic interest in any specific opportunity.

7. No investment, tax, or legal advice

Information on this website and in investor communications is general in nature and is not investment, tax, accounting, or legal advice. ReV does not provide individualized investment recommendations. Investors should consult their own financial, tax, and legal advisors before making any investment decision and should make decisions based on their own assessment of the suitability of an investment in light of their personal financial circumstances.

8. Forward-looking statements

Statements about target returns, expected timelines, anticipated market conditions, or future portfolio performance are forward-looking and subject to known and unknown risks. Actual outcomes may differ materially. ReV undertakes no obligation to update forward-looking statements to reflect subsequent events.

9. Independent verification recommended

Before funding any position, investors are encouraged to independently verify property valuations through their own appraiser or comparable sales analysis, to review the title commitment with their own counsel, to confirm the recording status of the deed of trust with the county recorder, and to satisfy themselves as to the suitability of the investment for their financial situation.

10. Contact for clarification

Questions about any disclosure on this page should be directed to invest@realestate.ventures before any capital is committed.