Lofty

Buy, sell, and own shares of real estate 🏘️

Daily rental income and appreciation potential without the headaches. Sell anytime.

Backed by @ycombinator

[Lofty @lofty_ai]

We just crossed $100M in volume 🎉

Building the world's first real estate exchange hasn't been easy, but it's been the most rewarding thing we've ever done.

Thank you to everyone who's supported us since day one. We're just getting started, and there's a lot more coming soon!

[Jerry Chu 🍊 @PMDBT]

Anyone that wants to list real estate in these regions on @lofty_ai DM me!

[Jerry Chu 🍊 @PMDBT]

I co-founded Lofty in 2021. On Lofty, people buy and sell fractional ownership of real homes, 24/7.

So far:

- $5.7M+ in rent paid out to owners
- $100M+ in trading volume

I post what building a fintech marketplace really looks like. The wins, the bugs, the lawyers.

[Jerry Chu 🍊 @PMDBT]

There is a new type of orders on @lofty_ai called “optimized” order.

You can only trigger it with USDC already in your wallet and you can’t use your rental credit or gift certificates.

What does it do?

It lets you set up a large order one time, then route that order in an optimized way over some period of time to get you the best price by getting you the lowest slippage.

Great for whale users and enterprise clients!

Go check it out and let me know if you have feedback.

[Jerry Chu 🍊 @PMDBT]

You can now tag other owners on the community forums on @lofty_ai. Tagged people will receive an alert that they can click on to directly take them to the post.

Owner coordination and communication should be easier now. Go check it out!

[Jerry Chu 🍊 @PMDBT]

New property again! We are so back on launches :)

Land parcels have done pretty well on @lofty_ai so far. People seem to like them a lot and I always like to see more diversified asset offerings!

Go check it out

[Jerry Chu 🍊 @PMDBT]

We delayed this feature over at @lofty_ai for a few years, but I'm happy to announce that Governance 2.0 is finally live with the launch of the new community forums.

One of the toughest problems to solve for what we're building has been to coordinate owners of the assets on the platform, the property managers they elect, and a way for high-trust discussions, all without Lofty sitting in the middle trying to scale a platform ops team.

I think we've finally done it. Any investors on Lofty can now navigate to the "community" tab on the platform and gain access to property specifc forums, where any and all discussions can take place between owners.

You can only post if you actually own at least 1 share of the asset. Your ownership percentage is displayed to everyone else when you post.

Owners can directly propose a new governance vote in app now with Robert's rule in place. Once someone has seconded the motion, there is a timed discussion period before the vote goes live.

Once the voting period is over, the results are automatically published and settled onchain.

Early usage from our users is very promising and I'm sure there will be more improvements to make, but this launch completes one of the core pillars of what we set out to build.

1. Make real estate equity into a tradable digital asset. (We did this by tokenizing the equity at launch in 2021.)

2. Make the experience of buying and selling real estate more similar to buying and selling shares of stocks in your brokerage account. (We did this by introducing secondary markets in 2022 and then AMMs to real estate transactions in 2024.)

3. Provide a way for the various parties of a real estate holding to communicate and coordinate, make legally binding decisions, all without giving up privacy for users. (Launched now in 2026 with governance 2.0.)

4. Rebuild debt products for real estate from first principles now that real estate trades digitally and has good liquidity. (Upcoming lending products we plan to launch later this year in 2026).

5. Suite of fintech products in our ecosystem. Best in class bank accounts offering the higher than average interest rates, and credit cards that you can use to pay your mortgage/loan payments, while receiving cashback. (Coming in 2027).

Funny how in 5 years our roadmap never changed. Things got shifted around, but the core pillars remained the same. Even with the advent of AI, we're fortunate that it's only a tailwind for our team to be more productive and lean, while knowing our moats are perfectly safe from it.

We've always been building a new type of platform. Some people didn't realize it, and some people didn't believe us. But every day it's closer to reality.

[Jerry Chu 🍊 @PMDBT]

I had an older post of mine testing if an AI chat bot trained our property information, governance votes, and dropbox documents would be useful to help returning users underwrite properties faster and help new users take the leap on making their first investment.

People seemed to have liked it, so we're rolling it out publicly now on @lofty_ai.

Click on the button on any property page and the AI will review all the previous governance updates/votes, historical prices, yields, and any documents shared in the dropbox folder for the property.

While it doesn't select investments for you, it should help investors underwrite things more and surface data you may have missed without it.

Go give it a try, you don't have to spend any money to use it!

It's not a support bot, so don't ask it any support questions. Those should always come over email to our team

[Lofty @lofty_ai]

Invest now: https://t.co/3x9CvHbcMm

[Lofty @lofty_ai]

Paki owns this vacant commercial lot in Jacksonville, Florida, free and clear. He’s selling equity in it on Lofty and paying investors a 7% annual rental yield 🤝

He has over 20 years of real estate experience and is using the proceeds from selling equity to buy more properties.

A traditional loan or refi can come with high interest rates and take a month or more. Paki launched this property on Lofty within a few weeks.

He can also propose buying back investors’ shares anytime if he wants to take the property off the marketplace.

Investors receive daily rent starting the day they invest and can list their shares for sale anytime.

If you’re new to Lofty, we’ll give you $50 when you invest your first $50!

[Lofty @lofty_ai]

New users: Invest $50 and get $50 free: https://t.co/MdsBVHS6Cu

[Lofty @lofty_ai]

A Baltimore mid-term rental tops Lofty's ranking with a 22.9% historical average rental yield after almost 2 years on the platform.

Its annual property tax bill? Just $335 🤯

2221 E Chase St is a 5 min walk from Johns Hopkins Hospital & regularly rents to traveling nurses. Mark Reed, a Baltimore local who owns and manages 30 rental units in the city, fully renovated and restored it.

The property generates ~$2,000 in monthly cash flow. Property taxes are just $335 a year.

The three properties pictured have the highest historical average rental yields on Lofty. Each has been on the platform for at least 20 months.

We built Lofty so you can buy shares in rental properties, collect rent daily, and sell your shares anytime with no lockups.

40,000+ investors have invested more than $100M through Lofty.

If you haven’t invested on Lofty yet, invest your first $50 and get $50 free!

[Jerry Chu 🍊 @PMDBT]

A lot of things are theoretically possible on @lofty_ai, because the infrastructure we've built for the property's ownership group is open-ended.

I always knew it was legally and practically possible for one of the co-owners to present a tender offer and buy out the rest of their co-owners for any given property on the exchange.

I've known this and thought about it for 5 years. Recently, someone presented such an offer, and their co-owners accepted the governance proposal.

It was ratified. Our platform routed the distributions. Now, there is another proposal, so this may become more common.

One less theoretical thing to think about!

[Lofty @lofty_ai]

Investors in 25 Rocky Ridge Rd just got paid from the sale & made a 19.04% realized return! 📈

Dave, the co-owner, lives in Vermont. He listed the property on Lofty, managed it himself, sold a portion of his equity to investors, and bought the shares back in under two years.

Investors earned daily rent and could sell anytime.

This is the first of many. Investors made a serious profit on Lofty, and owners can pull equity out of their properties the same way Dave did.

[Jerry Chu 🍊 @PMDBT]

We're excited to announce that our new liquidity pools for @lofty_ai are live for our users to beta test.

There are only two available for now, but we'll be watching the metrics closely. Barring major changes, we'll release the new version for all properties by the end of next week.

This is one of the biggest overhauls we've done on the platform.

- if you lend property tokens, you'll receive your rewards in property tokens

- if you lend USDC, you'll receive your rewards in USDC

- rewards stay inside the pools to auto-compound and provide additional liquidity for the ecosystem

- thanks to fractional property tokens, you can now withdraw fractional ownership, meaning a position like 16.789 tokens won't force you to only withdraw 16 whole tokens like before

- there is now a 24 hour lock period, meaning if you deposit assets, you'll need to wait at least 24 hours to take them out

Overall, these changes should allow the pools to stay more stable, less volatile long-term, and set us up for the infrastructure required launch our "not a mortgage" product later this year.

If you're a Lofty user, please help us stress test these over the weekend!

[FredEstante.algo @fredestante]

24/27

@lofty_ai launches its first international property in the Dominican Republic!
https://t.co/1k5FpRVKwK

[CRYPTO KEN aka the Coin King 👑 @daCoinKing]

Dude is the ceo of @lofty_ai powered by $ALGO @Algorand ...if you have any issues with Lofty or questions..dude literally write you and communicate with u directly ...just a cool experience imo 😎

[Lofty @lofty_ai]

On Lofty, investors own 100% of the properties.

They discuss them directly with each other and the property managers in the Community Forum, and propose governance votes that tally automatically. Zero need to ever reach out to us.

Fully decentralized real estate is here 🏘️

[Jerry Chu 🍊 @PMDBT]

We delayed this feature over at @lofty_ai for a few years, but I'm happy to announce that Governance 2.0 is finally live with the launch of the new community forums.

One of the toughest problems to solve for what we're building has been to coordinate owners of the assets on the platform, the property managers they elect, and a way for high-trust discussions, all without Lofty sitting in the middle trying to scale a platform ops team.

I think we've finally done it. Any investors on Lofty can now navigate to the "community" tab on the platform and gain access to property specifc forums, where any and all discussions can take place between owners.

You can only post if you actually own at least 1 share of the asset. Your ownership percentage is displayed to everyone else when you post.

Owners can directly propose a new governance vote in app now with Robert's rule in place. Once someone has seconded the motion, there is a timed discussion period before the vote goes live.

Once the voting period is over, the results are automatically published and settled onchain.

Early usage from our users is very promising and I'm sure there will be more improvements to make, but this launch completes one of the core pillars of what we set out to build.

1. Make real estate equity into a tradable digital asset. (We did this by tokenizing the equity at launch in 2021.)

2. Make the experience of buying and selling real estate more similar to buying and selling shares of stocks in your brokerage account. (We did this by introducing secondary markets in 2022 and then AMMs to real estate transactions in 2024.)

3. Provide a way for the various parties of a real estate holding to communicate and coordinate, make legally binding decisions, all without giving up privacy for users. (Launched now in 2026 with governance 2.0.)

4. Rebuild debt products for real estate from first principles now that real estate trades digitally and has good liquidity. (Upcoming lending products we plan to launch later this year in 2026).

5. Suite of fintech products in our ecosystem. Best in class bank accounts offering the higher than average interest rates, and credit cards that you can use to pay your mortgage/loan payments, while receiving cashback. (Coming in 2027).

Funny how in 5 years our roadmap never changed. Things got shifted around, but the core pillars remained the same. Even with the advent of AI, we're fortunate that it's only a tailwind for our team to be more productive and lean, while knowing our moats are perfectly safe from it.

We've always been building a new type of platform. Some people didn't realize it, and some people didn't believe us. But every day it's closer to reality.

[Lofty @lofty_ai]

The Property Forum is live in Lofty: https://t.co/1Z4qawT9y4

Each property has its own channel for questions, votes, and updates from property managers, and every investor automatically has access.

With everything moving into Lofty, we’ve wound down Discord so conversations stay in one place and remain available to everyone.

Please send an email to [email protected] and we'll look into this right away.

[Lofty @lofty_ai]

At long last, the first international property on Lofty is now live in the Dominican Republic! 🏝️

Our vision has always been to give everyone the opportunity to invest in real estate around the world.

This is just the beginning. So much more coming soon.

[Lofty @lofty_ai]

First-time investors get $50 free when they invest $50:

https://t.co/tRRTww4M1c