Series No. 4 Medium-Term Notes seek to provide investors with a high-yield savings or CD alternative, backed by Ginkgo Multifamily OP LP.
With a twelve-month term and a defined maturity date of March 26, 2027, the Series 4 Notes bear interest at a stated rate of 5.89% per annum, with tiered rates ranging from 6.14% to 7.14% based on investment size and concurrent REIT participation. Interest accrues in arrears at the applicable Series Interest Rate. Investors receive a single payment of principal together with accrued and unpaid interest on the Stated Maturity Date.
Private placements are illiquid, speculative, involve substantial risks, and may not be suitable for all investors. Past performance is not indicative of future results. Offers to sell securities are made only through official offering documents. Accredited investor verification is required.
Offering Details
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Investment Terms
- Offering Amount: Up to $3,000,000; which may be increased up to a maximum of $5,000,000 at the sole discretion of the Issuer, subject to the Maximum Offering Amount.
- Term: Twelve (12) Months
- Stated Maturity Date: March 26, 2027
- Issue Date: March 26, 2026
- Series Interest Rate: 5.89% per annum, provided that for Notes purchased on the Issue Date:
- With an aggregate principal amount ≥ $100,000 → 6.14% per annum
- With an aggregate principal amount ≥ $250,000 → 6.39% per annum
- With an aggregate principal amount ≥ $500,000 → 6.64% per annum
- With an aggregate principal amount ≥ $1,000,000 → 6.89% per annum
- With an aggregate principal amount ≥ $100,000 together with a concurrent minimum $50,000 new investment in REIT Shares → 7.14% per annum
- Payment Frequency: Interest on the Series No. 4 Medium-Term Notes shall accrue in arrears at a per annum rate equal to the Series Interest Rate, with a single payment of principal together with accrued and unpaid interest due on the Stated Maturity Date.
Investment Summary
- Series No. 4 Medium Term Notes may provide a higher-yield, short-duration fixed-income option for accredited investors*.
- Medium-term duration is designed to provide investors with defined maturities. Notes are not liquid before maturity.
*Unlike saving accounts or CDs, these notes are not FDIC-insured and carry investment risk, including risk of loss of principal.
Investment Details
The Company intends to use the proceeds from each Series of Medium-Term Notes to finance the acquisition and enhancement of its Projects, including development, construction, repair, renovation, or rehabilitation, as well as to fund capital call obligations in Joint Ventures.
The Medium-Term Notes are direct, unsecured obligations of the Company. They are not secured by Company or REIT assets and are not guaranteed by the REIT, the Advisor, or any other party. Repayment depends solely on the Company’s financial condition and capital management strategies. The Company expects repayment to be supported by operating cash flow, cash on the balance sheet, asset-level refinancings, future note issuances, and equity capital raises.
Interest is calculated on an actual/365 basis. Investors will receive IRS Form 1099-INT for interest income.
Additional Ginkgo offerings
Ginkgo REIT Inc.
Evergreen Fund
Ginkgo REIT Inc. is a tax-efficient, income-focused real estate investment providing exposure to rental housing communities in high-growth markets across North & South Carolina.
Please log in or sign up to view additional Investment Documents for this offering. Additionally, you can email investorrelations@altoira.com to schedule an appointment for more information.
The Notes are being offered in reliance on an exemption from registration under Regulation D, Rule 506(c) of the Securities Act of 1933, as amended, and are available to accredited investors.
The Notes are speculative, illiquid investments that involve substantial risk, including risk of loss of principal. The notes are direct, unsecured obligations of the issuer and are not guaranteed by any affiliate or third party.
The Notes are not bank deposits, not insured by the FDIC, SPIC, or any other government agency, and are not listed or traded on any securities exchange. There is no established market, and investors should be prepared to hold them to maturity. Any historical yields from prior note offerings are provided for illustrative purposes only and are not indicative of future performance. No assurances can be given that investors will receive any return on or recovery of their investments.
Prospective investors should carefully review the complete set of offering documents, including the risk factors, before making an investment decision.
