Commercial Real Estate
Turn debt servicing into equity building.
Every dollar you pay in interest builds the bank's equity, not yours. With a savings club, every contribution to the common fund goes toward owning the asset. Access capital for your deals while building equity on the side. At the end, you own it outright.
Office & Retail
Class A, B, C in any market
Farms & Ag Land
Commercial agricultural operations
Development Land
Parcels & productive land
The Opportunity
The Equity Engine.
A savings club gives you access to capital like a credit line, but every payment builds equity in the asset. No interest accrual. No balloon payments. At the end of the term, you own the property outright.
Interest-Only Loan
What happens to your money
You borrow $500K
Bridge loan at 9%, IO period of 3 years
You pay $3,750/month for 3 years
Total interest paid: $135,000
Equity built through payments: $0
You still owe exactly $500K. Every dollar went to the lender.
Balloon payment due. Refinance or sell.
The cycle repeats. You borrow again, pay more interest, build zero equity.
Savings Club
What happens to your money
You join a $500K savings club
Flat fee, no interest charges, contributions start immediately
You receive your Credit Voucher
Deploy it toward your acquisition. Use it for your deal.
Every payment builds equity
Most of your contributions go toward owning the asset
Own it outright. Or cash out.
No balloon payment. No refinance. You own the asset plus your deal returns.
With a savings club, the math works in your favor. Instead of paying for access to capital with nothing to show at the end, every contribution builds equity. You get the same access to capital for your deals, plus an asset you own outright when the term ends.
The Alternative
A credit line that builds equity instead of destroying it.
Traditional credit lines and IO loans give you access to capital, but every dollar you pay is pure cost. The savings club gives you the same access to capital, but your payments build ownership.
Traditional Credit Line
Access capital. Build nothing.
Interest-Only Loan
Lower payments. Zero equity built.
Savings Club
Access capital. Build equity.
The dual benefit for CRE investors
Benefit 1: Capital for deals
Your Credit Voucher gives you capital to deploy into acquisitions. Use it for property purchases, whether you plan to flip, hold, or operate. This is the functional equivalent of drawing on a credit line.
Benefit 2: Equity on the side
While you use the capital for deals, your ongoing contributions build equity in the savings club. This means your deal returns PLUS equity accumulation. At the end of the term, you can cash out the equity on top of whatever returns your deals generated.
Monthly debt service on a $500K property.
$500,000 property, 30-year term. Traditional: 25% down ($375K financed), rates from Bankrate Q4 2024. Savings.Club: $0 down, flat fee. Both end with full ownership. SC costs less at every credit tier.
| Borrower Profile | SC Monthly | Trad. Monthly | SC Total Cost | Trad. Total Cost | Total Saved |
|---|---|---|---|---|---|
| Weak Credit / High Risk | $1,944 | $3,430 | $650,000 | $1,359,898 | $709,898 |
| Fair Credit / Moderate Risk | $1,875 | $2,883 | $650,000 | $1,163,033 | $513,033 |
| Good Credit / Standard | $1,805 | $2,622 | $650,000 | $1,068,940 | $418,940 |
| Strong Credit / Low Risk | $1,736 | $2,370 | $650,000 | $978,292 | $328,292 |
| Excellent Credit / Institutional | $1,666 | $2,129 | $650,000 | $891,515 | $241,515 |
Lower monthly payments. Lower total cost. And at the end of 30 years, you own it outright. Same result, dramatically less money out of pocket.
How lower debt service transforms your returns.
Same property, same NOI, same equity invested. The only variable is your financing structure. This is the difference between a deal that barely breaks even and a deal that generates real cash flow.
Deal Parameters
Purchase Price
$500,000
Equity Invested
$125,000
Cap Rate
7.0%
Annual NOI
$35,000
Traditional Financing
Cash-on-Cash Return
2.8%
Total out of pocket: $1,068,940 (incl. $125K down)
Savings.Club
Cash-on-Cash Return
10.7%
Total out of pocket: $650,000. Save $418,940.
On a 7% cap rate property, traditional financing leaves you with $3,536/year in cash flow. Savings.Club generates $13,328/year. Both paths end with full ownership at Year 30. SC gets you there for $418,940 less.
Cap rate sensitivity analysis.
$500K property, $125K equity. See how your returns change across cap rates and how Savings.Club maintains a consistent advantage.
| Cap Rate | NOI | Traditional CoC | SC CoC | Advantage |
|---|---|---|---|---|
| 6% | $30,000 | -1.2% | 6.7% | +7.9 pts |
| 7% | $35,000 | 2.8% | 10.7% | +7.9 pts |
| 8% | $40,000 | 6.8% | 14.7% | +7.9 pts |
| 9% | $45,000 | 10.8% | 18.7% | +7.9 pts |
| 10% | $50,000 | 14.8% | 22.7% | +7.9 pts |
At a 6% cap rate, traditional financing puts you underwater. Savings.Club keeps you cash-flow positive. And SC costs $418,940 less over 30 years.
Built for investors who think long-term.
Whether you are acquiring your first commercial property, building a debt-free portfolio, or looking to diversify your financing sources, the savings club works for multiple investor profiles.
Property Acquirers
Businesses buying office space, warehouses, retail locations, or medical facilities for their own use. Predictable payments, no rate surprises, own it at the end.
Portfolio Builders
Investors building a debt-free portfolio over time. Move beyond the perpetual refinance cycle. Every payment builds equity instead of servicing someone else's profit.
Deal Makers
Active investors who want access to capital for acquisitions while building equity on the side. Use the Credit Voucher for deals. Keep the equity.
Refinance Graduates
Investors tired of balloon payments, rate resets, and the constant pressure to refinance. The savings club has no balloon, no rate changes, no refinance required.
Diversification Seekers
Sophisticated investors who want to add a non-traditional financing source to their capital stack. Reduce dependence on any single lender or loan product.
Agricultural Operators
Commercial farmers, ranchers, and ag businesses. Traditional ag lenders charge premium rates and demand 25-40% down. The savings club applies the same flat fee to all commercial assets.
Deal Walkthrough
How a $500K property deal actually works.
You join a CRE savings club
$0 upfrontPick the $400K–$600K commercial property club. No down payment. No application fee. All credit profiles accepted.
Your Savings Score builds monthly
You control the timelineEvery on-time contribution, advance payment, and engagement activity increases your ranking. Your money sits in an irrevocable trust at US Bank (FDIC-insured), managed by Jackson Hole Trust Company.
You receive your purchasing voucher
$500K purchasing powerWhen your Savings Score reaches the top of the ranking, you receive a $500,000 voucher. Once you use the voucher, you'll enter into the borrowing phase, with a loan from the club's common fund.
You buy the property
Title in your nameAt the end of the 30-year term, the property is fully paid. No balloon payment. No refinance. No rate reset. Total paid: $650,000 (flat fee). Compare that to Traditional financing total: $1,068,940 (including $125K down payment)
You own it outright
Save $418,940At the end of the 30-year term, the property is fully paid. No balloon payment. No refinance. No rate reset. Total paid: $650,000 (flat fee). Traditional financing total: $1,068,940 (including $125K down payment).
$1,806/mo
Your monthly contribution
$418,940
Total savings vs. traditional
$0
Down payment required
Based on $500K commercial property, 30-year term. Traditional: 25% down ($125K), 7.5% APR. Savings.Club: $0 down, flat fee. Both end with full ownership. Source: CBRE Cap Rate Survey, Federal Reserve SLOOS, Bankrate Q4 2024.
The structural advantages.
Every feature of the savings club is designed to improve your deal economics. Here is what changes when you stop renting money.
What you gain
What you leave behind
Asset classes we cover.
If it generates income or holds value, we can structure a savings club for it.
Office
Class A, B, C office space in any market
Retail
Strip malls, NNN, anchored centers
Warehouse
Distribution, logistics, flex space
Multi-Family
5+ units, apartment complexes
Mixed-Use
Retail + residential, office + retail
Industrial
Manufacturing, processing, heavy industrial
Self-Storage
Climate-controlled and standard facilities
Farms & Ag Land
Commercial farms, orchards, ag operations
Commercial Land
Development parcels, productive land
Hospitality
Hotels, motels, resorts, B&Bs
Medical
Medical offices, clinics, care facilities
Vacation
Vacation rentals, resort properties
And More
Special purpose, marinas, car washes
Productive land is a commercial asset. We finance it like one.
Traditional ag lenders require operating history, tie rates to commodity prices, and demand 25–40% down on raw land. The savings club finances farms, ranches, orchards, and any land used for productive, commercial, or business purposes with the same flat-fee structure.
Commercial Farms & Ag Operations
Crop farms, livestock operations, orchards, vineyards, greenhouses, aquaculture. The flat fee means your cost of capital stays predictable regardless of commodity market volatility.
Traditional ag lending rates: 7–12% APR with variable rates. Savings.Club: flat fee, fixed from day one.
Development & Commercial Land
Development parcels, entitled land, commercial lots, business-use acreage. We do not penalize you for buying land. The flat fee applies the same whether you are buying a building or the ground it will sit on.
Traditional land loans: 8–15% APR with 30–50% down required. Savings.Club: flat fee, no down payment.
Flexibility traditional lenders do not offer.
During the savings phase, before your purchasing voucher is awarded.
Half-Payments
Reduce your contribution if capital is needed elsewhere. Your Savings Score adjusts, but you stay in the savings club and keep your position.
Freeze Contributions
Pause contributions entirely if market conditions change, a deal falls through, or you need to redirect capital. Your membership stays active. Resume when you are ready.
Transfer Membership
Transfer your membership to someone else. The process is handled through the savings club. Try doing that with a commercial mortgage.
Available during the savings phase, before your voucher is awarded. After your voucher is awarded and you enter the borrowing phase, standard obligations apply.
Security
Institutional-grade trust structure.
Your common fund contributions do not sit in a Savings.Club account. They sit in a legally separate, irrevocable trust that we cannot touch. The same structure used by institutional investors and pension funds.
Irrevocable Trust
Every common fund contribution goes into a legally separate, irrevocable trust. Once deposited, Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
Independent Trustee
Jackson Hole Trust Company, a licensed fiduciary with a legal obligation to protect your money. They execute all fund transactions to the benefit of its members.
FDIC-Insured Bank Account
The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
Member Governing Board
An independent board of members audits and ensures compliance. This adds a layer of transparency that traditional financing never offers.
Bring your lender's best term sheet.
If your current lender can offer lower monthly debt service on the same property while building equity with every payment, we will pay your first month.
The Math Doesn't Lie
Commercial Mortgage vs. CRE Savings Club
Real numbers on a real deal. Example: $500,000 commercial property, 360-month (30-year) term.
Traditional rate: Bankrate Q4 2024 average commercial mortgage rate (7.5%). Savings club flat fee varies by creditworthiness.
Due Diligence
Review the terms before you commit.
Download our sample term sheet to review with your attorney, CPA, or advisor. No surprises.
Sample CRE Term Sheet Highlights
Full term sheet provided upon enrollment. This is a summary for review purposes.
Frequently asked questions.
Everything you need to know about CRE savings clubs.
Start building equity with every payment.
Office, retail, warehouse, multi-family, mixed-use, industrial, self-storage, farms, commercial land, hospitality, and medical. Flat fee, all credit profiles accepted, no down payment.
Ready to join?
Pick your property type and price range. Get started in under 5 minutes. All credit profiles accepted.
Want to learn more?
See exactly how CRE savings clubs work, step by step. Understand the trust structure, the Savings Score, and the math behind the savings.
How It Works →Operating in TX, FL, MA, CT. Other states coming soon.