Series No. 5 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 defined maturity, notes are priced at 5.82% per annum with tiered rates available for larger commitments. Investors receive principal and accrued interest at maturity.
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: June 19, 2027
- Issue Date: June 19, 2026
- Series Interest Rate: 5.82% per annum, with tiered rates for larger commitments on the Issue Date:
- With an aggregate principal amount ≥ $100,000 → 6.07% per annum
- With an aggregate principal amount ≥ $250,000 → 6.32% per annum
- With an aggregate principal amount ≥ $500,000 → 6.57% per annum
- With an aggregate principal amount ≥ $1,000,000 → 6.82% per annum
- With an aggregate principal amount ≥ $100,000 together with a concurrent minimum $50,000 new investment in Ginkgo REIT Shares → 7.07% per annum
- Payment Frequency: The Company will make a single payment of Principal of the Series No. 5 Medium-Term Notes, together with accrued and unpaid interest, on the Stated Maturity Date.
Investment Summary
- Series No. 5 Medium-Term Notes may provide a higher-yield, medium-duration fixed-income option for accredited investors*.
- Twelve-month duration is designed to provide investors with a defined maturity. Notes are not liquid before maturity.
- The Notes are direct, unsecured obligations of the Company. Repayment is supported by the Company's operating cash flow and capital management strategies, but the REIT, the advisor, or any other party do not guarantee the Notes.
*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 the issuance and sale of each Series of Medium-Term Notes to finance the acquisition and enhancement of its Projects, including any development, construction, repair, renovation, or rehabilitation involved, as well as to meet any capital call obligations in Joint Ventures.
The Medium-Term Notes will be direct, unsecured obligations of the Company, without guarantees from the REIT, the Advisor, or any other party.
The Company plans to use cash on the balance sheet, asset level refinance, future Note issuances, and equity raises as the source of repayment.
The interest type is calculated as actual/365. Investors will receive 1099-INT tax documents.
Investment Details
ISSUER CALL REDEMPTION:
The Company may redeem all or a portion of the Notes prior to the Stated Maturity Date at its sole discretion. Noteholders will receive the Call Redemption Amount, which includes (i) the outstanding principal as of the Call Redemption Date plus any accrued but unpaid interest, and (ii) a Call Redemption Premium equal to the interest the Noteholder would have earned for the remaining days left on the note through the Maturity Date. Noteholders will receive at least 10 business days' prior written notice of any call redemption.
SERIES REFINANCING:
At maturity, the Company may elect to roll outstanding Notes into a new series at a potentially different interest rate. If so, Noteholders will receive advance written notice and will be automatically enrolled unless they opt out in writing by the 10th Business Day prior to maturity. Noteholders who opt out will receive their principal and accrued interest on the Maturity Date.
Additional Ginkgo offerings
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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.
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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.