Accredited Investors
Access begins with accreditation. Here's what qualifies and how to verify.
SEC Criteria
(All thresholds per SEC rules; spousal equivalents qualify.)
| Parameter | Details |
|---|---|
| Income | $200,000+ individual (or $300,000+ with spouse/spousal equivalent) in each of the last 2 years, with expectation to continue |
| Net Worth | $1,000,000+ (excluding primary residence) |
| Professional Credentials | Individuals holding Series 7, 65, or 82 in good standing |
| Entities | $5M+ in assets (not formed solely to purchase the offering); or all equity owners are accredited; Family offices with ≥$5M AUM and their family clients |
| Fund Personnel | "Knowledgeable employees" of a private fund (for investing in that fund) |
| Verification | Required before subscription (see methods below) |
What is an accredited investor?
An accredited investor is an individual or entity that meets specific SEC criteria (income, net worth, certain licenses, or defined entity types). These investors can participate in exempt private offerings under Regulation D.
Why does accreditation matter?
Reg D offerings skip full SEC registration, so they're limited to accredited investors (and, in 506(c), require verification). This is meant to match higher-risk, less-liquid private investments with investors who can evaluate and bear the risk.
Quick Qualification Check
You qualify if you meet ANY of these:
- Income over $200K/year (individual)
- Income over $300K/year (with spouse)
- Net worth over $1M (excluding home)
- Series 7, 65, or 82 license
Individual Criteria
You qualify if you meet one or more:
Income Test
$200k+ individual or $300k+ with spouse/spousal equivalent for each of the last two years, with a reasonable expectation of the same this year.
Net Worth Test
$1M+ excluding primary residence.
Professional Credentials
Hold Series 7, 65, or 82 in good standing (designation recognized by SEC order).
Entity Criteria
Asset-Based
Entities with over $5M in assets (not formed to buy this offering), including LLCs.
Ownership-Based
Entities where all equity owners are accredited.
Family Offices
Family offices with ≥$5M AUM and their family clients.
Fund Personnel
For a private fund, "knowledgeable employees" count when investing in that fund.
How is verification performed (Rule 506(c))?
We use accepted SEC methods. Options include:
Income Verification
Review IRS forms (W-2, 1099, K-1, 1040)
Net Worth Verification
Bank/brokerage statements and credit report (within 3 months)
Third-Party Letter
Written confirmation from broker-dealer, adviser, attorney, or CPA
Prior Investor
Written representation valid for up to 5 years if previously verified
What is the process to invest?
Indicate Interest
Express interest in an offering
Complete Verification
Upload docs or provide third-party letter via secure portal
Access Granted
Upon approval, access PPM and subscription workflow
Advantages
Access to private real estate credit.
Potential for yields not found in public markets.
More ways to diversify.
Considerations
Illiquidity between redemption windows or maturity.
No guarantees; principal is at risk.
Verification is required before subscription.
Frequently Asked Questions
Can spouses combine income to qualify?
How long is a verification letter valid?
Do I have to verify for each investment?
Is my information kept confidential?
Ready to Access Private Investment Opportunities?
Complete your accreditation verification to access real estate debt investment opportunities.
For accredited investors only. This is not an offer. Offers are made only by the relevant Private Placement Memorandum or offering documents. Past performance is not indicative of future results.