Currently the Utopia platform is open to U.S. citizens or residents (with an SSN) above the age of 18. Individuals do not need to be an accredited investor to participate in the Utopia platform.

Our investment process is conservative and data-driven, incorporating many variables as well as manual analysis to estimate property value, as well as appreciation potential. The following criteria are our primary factors in determining the homes that we invest in:

1. Geographic Diversity

Utopia is current operating in 26 US states: Idaho, Utah, New Mexico, Texas, Oklahoma, Kansas, Nebraska, Louisiana, Arkansas, Missouri, Iowa, Minnesota, Wisconsin, Illinois, Florida, Alabama, Georgia, South Carolina, North Carolina, Tennessee, Kentucky, West Virginia, Indiana, Ohio, Michigan, Pennsylvania. This strategy minimizes specific market risk.

2. Long-Term Stability and Growth Prospects

We are committed to investing in markets that offer long-term stability and growth prospects. These factors include population growth, strong job market, with a focus on the best neighborhoods which we have examined at a high level of detail in order to ensure positive trends and developments.

3. Property Types

Single-family detached properties, within the price range of $125,000 to $500,000, and situated in urban or suburban areas of the city, ensuring access to essential amenities, utilities, transportation, and educational institutions as well as a reasonable commute to a major metro’s downtown office areas and a major airport. These properties offer several advantages, including stable rental income, broader market appeal, and ease of maintenance.

4. Condition of the Property

We primarily focus on properties that are move-in ready and require no major repair or renovation work and built in or after 1978, unless renovated. This ensures that our investments generate immediate returns without incurring substantial additional costs.

Returns in the past have been in the range of 12% to 25% per year with a target investment period of 3+ years.

Returns are based on internal rate of return, including all estimated costs like Property Operating, Finance, Legal, Sourcing and Asset Management fees, other upfront costs associated with buying, managing and selling of the properties. Dividend payments are distributed to investors quarterly.

Utopia's investors make money through the purchase of Shares.

When you invest in Utopia shares, you become the owner of a dividend paying asset that is based on the value of all the assets and liabilities held in the Utopia rental portfolio.

These dividend payments are based on the rental income and appreciation of the portfolio properties.

You can anticipate receiving dividends on a quarterly basis, specifically in January, April, July, and October. These dividends are conveniently deposited directly into your linked bank account during the last week of the respective month.