For investors
Real assets. Real residents. Real alignment.
A Kaplan Holdings position is backed by a titled property and occupied by a co-owner with skin in the game. You receive monthly income while the asset appreciates — and when you exit, your partner exits with you.
Slot · investors-heroTarget returns by market
South Africa
11–12%
Target gross annual
Yield-led. Strong rental coverage in core Cape Town nodes.
Lithuania
10–13%
Target gross annual
Balanced income and appreciation. EU framework.
Switzerland
6–7%
Target gross annual
Capital preservation, low volatility, premium tenant base.
Indicative targets, not guarantees. Past performance does not predict future results.
Three ways you earn
1. Monthly income
You receive a steady monthly payment from the resident. Below market rent but predictable, reliable and without agency fees eating into it. The resident maintains the property because it is partly theirs.
2. Capital appreciation
As property values rise, your ownership share rises with it. You do nothing. Time and the market do the work.
3. Share liquidity
You do not need to sell the property to realise your gain. When the property has increased in value, you can sell your ownership share to another investor at the new higher valuation. The resident stays. The property stays. You exit with your profit. Clean, private, no disruption.
Monthly income
Each resident payment includes a usage component paid to you — a predictable monthly cashflow from day one.
Capital growth
You retain the majority of any capital appreciation, pro-rata to your remaining ownership share at exit.
Asset-backed
Your position is collateralised by a real, titled property held in an EU-regulated holding structure.
No agency fees
We do not charge listing, leasing or letting fees. There is no broker layer eating into your return.
Clear exit options
Sell on the open market with your resident-partner, or transfer your stake privately at NAV.
Exit Scenarios
Resident buys out investor
The resident acquires your share to become the full owner. No bank mortgage or refinancing delays are required.
Both sell together
When market conditions are favourable, both parties agree to sell the property on the open market, splitting all proceeds proportionally based on stakes.
Investor sells to another investor
You can sell your investment share privately to another investor. The resident partner holds first right of refusal to buy it.
Resident stops paying
Following a structured 6-month grace period with no resolution, ownership of the property fully reverts to the investor.
Long-term hold
No exit is forced. The investor can keep holding the asset, earning monthly income from the resident's usage payments indefinitely.
Honest Risks
Risks & Mitigations
- — Currency risk (South Africa): Investors funding in EUR or CHF will receive returns in ZAR. The South African rand has historically been volatile against the euro and Swiss franc. A 20% depreciation in ZAR would reduce real EUR/CHF returns by approximately the same amount. We recommend investors consider this carefully and consult a financial advisor before committing capital to the South African market.
- — Resident Default Risk: Mitigated by a robust 6-month grace period during which structured transitions or solutions are managed.
- — Property Market Downturn: Real estate values can decline, affecting the underlying collateral value and pro-rata exit values.
- — Liquidity Risk: Real estate shares are not instantly tradeable on an open exchange; exits may require structured processes or private transfers.
How to get started
Step 1
Initial conversation
You reach out via our contact form or directly by email. We schedule a private call to understand your goals, preferred markets and capital range.
Step 2
NDA
Before sharing detailed deal information, project financials or resident profiles, both parties sign a mutual non-disclosure agreement. This protects you and us.
Step 3
Project presentation
We present a live or upcoming property opportunity — location, structure, resident profile, projected returns. You review and decide.
Step 4
Agreement and structure
Our attorney prepares the co-ownership agreement, SPV documentation and shareholder agreement. You review with your own legal counsel if preferred.
Step 5
Capital transfer and activation
Funds are transferred through the agreed structure. The property is acquired or allocated. You become a shareholder. Monthly reporting begins.
Practical details
Minimum investment
Varies by market — from €30,000 in Lithuania, R150,000 in South Africa, CHF 50,000 in Switzerland. Multiple investors can co-fund a single property depending on its value.
Number of investors per property
Flexible — one investor per property or multiple co-investors depending on property value and deal structure.
Reporting
Quarterly reports covering property status, resident payment history, reserve fund balance, estimated current valuation and your ownership percentage.
NDA
Required before any detailed deal information is shared. We send a standard mutual NDA upon request — signing takes minutes.
Exit
No fixed lock-in period. You may transfer your shares to another investor at any time. Kaplan facilitates the transfer.
Reserve fund at exit
When a property is sold, any remaining reserve fund balance is distributed proportionally between the investor and resident according to their ownership stakes at the time of sale.
Property insurance
Both the investor and resident contribute to property insurance costs proportionally to their ownership stake. Insurance is arranged through the local operating entity.
Inheritance
In the event of an investor's death, their ownership shares transfer to their legal heirs in accordance with applicable inheritance law. The property structure and resident agreement remain unaffected.
Property taxes and municipal costs
All property-related taxes and municipal costs are paid proportionally according to each party's ownership stake.
How residents are found
Kaplan Holdings sources residents through its own network and licensed local property agents in each market. Every resident goes through an income verification, employment check and debt screening process before being approved. Investors are presented with a resident profile before any agreement is signed. Resident screening follows the legal requirements of each country of operation. In South Africa this includes credit bureau checks and affordability assessments per National Credit Act guidelines. In Lithuania checks are conducted in accordance with applicable consumer credit and data protection regulations. In Switzerland screening follows cantonal tenancy and affordability standards. All checks are conducted by licensed local partners and results are summarised in the resident profile presented to the investor prior to signing.
Ready to explore opportunities?
Get in touch to receive our standard mutual NDA and the current investor opportunity pack.
Request NDA and investor pack