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Build, model, manage and trade a diversified portfolio of real estate assets on the Blockchain.

Join Our Mailing ListGo to the QuantmRE Platform

How QuantmRE is Revolutionizing Real Estate by Bringing It Onto the Blockchain

Matthew Sullivan, CEO of QuantmRE, interviewed about how real estate on the blockchain can help homeowners can get equity freedom.

QuantmRE Partners with Securrency to Launch a Globally Compliant Stablecoin and Blockchain-Based Real Estate Marketplace

QuantmRE has created ‘EQRE’ – a cryptocurrency securities token tied to a diversified, audited pool of real estate assets.

QuantmRE is building the world’s largest membership-driven, vertically integrated residential real estate marketplace powered by Blockchain technologies, giving investors a unique ability to build, model, manage and trade diversified portfolios of fractionalized real estate assets that have the potential to provide income and capital appreciation.

QuantmRE enables homeowners to release the value of the equity that is locked up in their homes without taking on more debt.

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QuantmRE’s patent pending technologies solve three major problems:

The Problem

Crypto investors face a volatile market

The Solution

The QuantmRE EQRE digital asset token will have measurable intrinsic value, potentially reducing the volatility and unpredictability suffered by other non-asset backed tokens. For qualifying investors, EQRE will provide the ability to make a passive investment in an audited pool of owner-occupied US residential real estate, a previously untapped $31.8 Trillion market.

The Problem

Real estate investment has a high barrier for new investors

The Solution

QuantmRE’s ‘Active Portfolio’ Real Estate Marketplace will enable independent investors to build, model, manage and trade a personalized portfolio of fractionalized real estate assets with a low minimum investment barrier. QuantmRE members who are homeowners will have the potential to maximize the returns generated from the equity value they have released from their homes by investing it in a diversified range of real estate assets.

The Problem

Homeowners can’t access equity without taking on debt.

The Solution

QuantmRE’s Shared Equity program enables homeowners to release the ‘dead money’ that is locked up in the equity in their homes without having to take on more debt. For homeowners, that means they can get access to significant amounts of capital with no interest, no monthly payments, and no restrictions on how they spend the money.

See how QuantmRE works

QuantmRE Membership

QuantmRE’s ‘MQRE’ Membership Tokens can be used to pay for the annual subscription-based services that are offered on the Platform (described below). Membership Tokens, which are separate tokens to EQRE and are not tied to real estate assets, can also be used as a payment method for access to other services offered through Platform.

Membership Tokens retail price

Membership Tokens will be redeemable on the QuantmRE platform for Membership fees. One MQRE Membership token will be redeemable for the equivalent of $1.00 of Membership fees.

QuantmRE is built on trust.

Security

QuantmRE employs the same architecture and cyber security standards as PCI-DSS and enterprise-grade financial institutions. This includes penetration testing as well as cyber security policies in accordance with those standards.

QuantmRE has engaged CybrEye, Inc and Cognitio Corp. to provide leading-edge solutions for security and privacy. The cyber security assessments they will carry out on a regular basis go beyond best-in-class commercial to testing expected in the most sensitive areas of government.

Cognitio Corp. supports QuantmRE through its deep experience in cyber security and enterprise cloud architecture with large government and financial institutions, including investment banks, federally backed student lenders, aerospace companies, big data companies, supercomputing manufacturers, credit unions, and government agencies in the intelligence community.

QuantmRE has been designed around a scalable, secure and distributed third generation Blockchain architecture which will deliver military-grade encryption for transactions, cryptographic anonymity for payments and messages and an environment supporting the creation of investment applications with security and privacy at their core.

Technology

Our Membership Tokens have been designed using the ERC20 protocol. EQRE is an asset-backed crypto currency that has been designed to use the Stellar platform protocols and utilities. We will work with our ATS exchange partners to create the format that best integrates with their systems.

The internal Real Estate Marketplace Blockchain is built in Hyperledger. This Distributed Ledger Technology (DLT) layer represents a small subset of the overall data we collect on assets, owners, and investors. The DLT will directly inform how much equity is available to turn into an EQRE token.

Due to the maturity of technology currently available to support an asset-backed token, we will be utilizing public and private Blockchains along with off-chain and sidechain technologies. The public Blockchain will allow us to leverage the power of the cryptographic cyber security capabilities, and our private Blockchain will allow us to operate more freely within our internal/trusted environment.

The QuantmRE infrastructure also uses Amazon AWS infrastructure as a service, the most recent Microsoft.Net Framework as its development language, and best practice project management tools.

QuantmRE Roadmap

2015

Initial concept developed to offer shared equity financing

June 2017

Initial concept to produce asset-backed token

October 2017

QuantmRE team assembled, first white paper

March 2018

Initial seed capital $700,000 raised

May 2018

Additional seed funding $1M raised

September 2018

Platform launched (Release 1.0)

September 2018

SEC Regulation A+ filings for the EQRE Asset Backed Token submitted

March 2019

EQRE Tokens Offering open to professional investors

June 2019

QuantmRE Securities, Inc becomes Group Broker Dealer

September 2019

EQRE tokens made available to retail purchasers on the QuantmRE Platform

September 2019

Platform live with Peer-to-Peer trading for US and non-US persons

You’ve got questions. We’ve got answers.

How is a shared equity release different from a home loan?

A shared equity release is an investment in a piece of property, a purchase of part of the equity. There is no loan, interest charges or monthly payments associated with this arrangement. A shared equity release is also referred to as “fractional equity release”, as the shared equity buyer, Quantm RE becomes a partner with the owner of the property, and shares in both the appreciation or depreciation in the value of the property over time.

How does a shared equity transaction affect me as a homeowner?

A shared equity release is a good way to get immediate value out of your home’s existing equity without the need to take on new debt (i.e., a 2nd loan, HELOC, or reverse mortgage). It also displaces some of the risk of depreciation in the event property values decline during a certain period of time. In return, you agree to share with QuantmRE any appreciation or depreciation in the value of the property over time. This means that if the property appreciates in value over time, that when you sell, you’ll realize less of that appreciation in value, as a portion of it will be paid to us.

Is shared-equity financing a new concept for owner occupied housing?

Shared equity arrangements as a way of financing personal housing has been going on informally for a long time. The sort of traditional approach in doing this has been for family members of the home buyer, or private or government institutions trying to support homeownership in high cost living areas, to share equity with the primary homeowner occupant. QuantmRE is formalizing what had been an informal arrangement by bringing to market a standardized, legal and market framework for doing shared equity financing. Our business approach includes the ability for secondary trading of the equity investment without impacting the home owner and also can be done with non-owner occupied single family homes that are held as investment properties.

How is this shared equity release different from a reverse mortgage?

Shared equity release is not a loan or a reverse mortgage. In a shared equity release with Quantm RE, the homeowner will not bear the typically high costs associated with a reverse mortgage, nor do you have to be 62 years or older (our shared equity release program is available to all qualified property owners regardless of age). Quantm RE pays US$ for a percentage ownership in a piece of property and records a lien on the property as evidence of the transaction. However, since there is no new loan on the property, there is no accruing interest building up. Instead, Quantm RE is now a partner, in effect, with the homeowner, sharing in either the upside appreciation of the property, or the downside depreciation if that were to occur. When the property is eventually sold, then Quantm RE will be paid back its original investment plus or minus our agreed share of the appreciation/depreciation in the value of the property.

This sounds too good to be true for the homeowner—is it?

Shared equity could be the right solution for someone who wants to get cash out of their property without taking on additional debt and monthly payments. The homeowner can stay in their home as long as they want, and normally pays to Quantm RE at the time of sale of the property, repaying the original amount paid they received for the portion of their property purchased, plus that agreed share of the gain or loss in the value of the home during the time of the shared equity release arrangement. It is important to remember, though, that by sharing in the equity in your home, you will likely receive less in the sale of your home than if you did not enter into a shared equity transaction.

How are you going to register the legal ownership of the house?

Homeowners are listed as owner on title. QuantmRE will record with the county recorder’s office a Performance Deed of Trust on your property. This is a lien on the property that protects our interests, but is not a loan, security or swap instrument. Our agreement with the homeowner is simply a consumer contract that memorializes our investment in the property.

Will the property owner need to service debt from the shared equity release or just transfer the % of the amount of the property sold when the eventually sell?

Since a shared equity release is not a loan, there is no debt to service associated with it. The homeowner is simply obligated to transfer to us, upon sale of the property, the value of the percentage of equity that we originally bought, plus any appreciation or minus any depreciation associated with our portion.

Does the home have to be owner occupied to do a shared equity transaction?

No- we do not require the home to be owner occupied. Shared equity can be a great source of new funding for rental/investment property owners.

Who is responsible for property maintenance, insurance and taxes?

The property owner has responsibility to properly maintain the property, pay all property taxes on time and make sure that the property is properly insured in accordance with the provisions of the shared equity agreement with Quantm RE.

How does a shared equity release transaction affect me if I want to remodel my home?

A homeowner may remodel and improve their property as they desire, as long as the planned improvements do not detract from the value of the property, nor entail taking on additional debt that could harm Quantm RE’s interest in the property. All we ask is that the homeowner does an appraisal before and then a follow up appraisal after doing the improvements, in order to measure the increase in value to the property, if any, due to the improvements. This equity value increase will not be part of the equity that Quantm RE later shares in upon sale of the home.

What if I want to repay Quantm RE before I sell my home?

This is fine. The repayment amount will be based on the value of the home at time of the proposed repayment, within certain provisions in our agreement to ensure that Quantm RE does not unnecessarily take a loss on equity in the event that market conditions are not favorable at that time.

How is the value of my property determined in a shared equity release?

QuantmRE will have an appraisal by an independent qualified appraiser, to determine the value of the subject property.

Can I take some of the equity out of my home in cash and some in cryptocurrency?

Our objective is that you will be able to be paid in US$ or crypto currency.

How will a shared equity transaction affect my tax situation on my personal residence before a sale?

At the time you receive the payment from Quantm RE, there should be no tax consequence because our transaction is an “open” or “forward” transaction – i.e., the tax consequence will not be known until a future date. This is not tax advice – you should consult your tax advisor for a more exact answer that takes into account your particular situation.

What happens if the property owner dies?

In the event of death of the property owner, Quantm RE RE’s equity interest remains in the property, and all obligations of our agreement with the deceased owner pass onto the heirs of the property.

Who decides when to sell my home?

You, as the homeowner, always remain in control of your property and can decide to sell your home anytime you wish. After 30 years, you will need to either buy out Quantm RE’s interest in your home, or apply for an extension of the agreement.

Are there any restrictions on the types of loans I may take out on my home?

Negative amortization loans (i.e. loans where the full amount of interest due each month is not paid and is added to the loan balance) are not allowed. These types of loans jeopardize the equity interest that Quantm RE holds in your property.

QuantmRE Team

Management Team

Matthew Sullivan

Matthew Sullivan

Founder, Chief Executive Officer

 

Jeremiah Jacquet

Jeremiah Jacquet

Chief Technical Officer

John Livesay

John Livesay

Co-Founder, Chief Marketing Officer

 

Dave Sterlitz

Dave Sterlitz

Co-Founder, Head of Shared Equity

 

Robert Barr

Robert Barr

Chief Financial Officer Managing Director of QuantmRe Securities, Inc

Matthew Margetts

Matthew Margetts

Managing Director, UK Operations

Malek Moubasher

Malek Moubasher

Director of Operations

Technical and Operations Team

Bojan Mise

Bojan Mise

Senior Data Scientist

Fernando Wu Padilla

Fernando Wu Padilla

Product Design Specialist

Edwina Bull

Edwina Bull

Community Manager

Heath Jackson Thomas

Heath Jackson Thomas

Creative Director

Sheila Burns

Sheila Burns

Director of Strategic Marketing

Board of Advisors

David Moss

David Moss

Senior Blockchain Advisor

Tim Sanders

Tim Sanders

Advisor

Enzo Villani

Enzo Villani

Advisor

Brian Bailey

Brian Bailey

Advisor, Shared Equity Operations

Tom Cucinotta

Tom Cucinotta

Advisor, Shared Equity Operations

Tom Braegelmann

Tom Braegelmann

Fund Manager

Charles Tralka

Charles Tralka

Fund Manager

Stephen Partridge-Hicks

Stephen Partridge-Hicks

Advisor (UK)

Marty Tate

Marty Tate

Legal Counsel, Advisor

In the Press

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