Last updated: October 1, 2025
The following terms and conditions (the “Terms”) are legally binding and apply to use of services including our website, (the “Site”), mobile app, and other platform(s) (collectively, the “ServicesSites”) provided by Nestment, Inc. (“we,” “us,” “our,” or “Nestment”) by you and all other users or visitors of the Services (each, a “user,” “you” or “your”). These Terms are between Nestment, as well as our affiliates and subsidiaries, and you.
The Terms hereby incorporate by reference any additional terms and conditions posted by Nestment and linked within these Terms, including service-specific terms below. Unless otherwise indicated, the Terms apply to all users of the Services.
The Services are available for residents of the United States only in the states where we or our authorized broker-dealer(s) are registered.
THESE TERMS INCLUDE, WITHOUT LIMITATION, BINDING ARBITRATION PROVISIONS THAT REQUIRE YOU TO SUBMIT TO BINDING AND FINAL ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES (AS OPPOSED TO JURY TRIALS OR CLASS ACTION LAWSUITS).
“Services” include the Sites, and any software, service, feature (including plug-ins and integrations), program or element (including email messages, notifications, and other messages) provided by or on behalf of Nestment on or in connection with the Sites.
Policy. You must be at least eighteen (18) years old to use the Services. You acknowledge, by accessing, registering for and/or using, or continuing to access or use, the Services in any manner, that (a) you are at least eighteen (18) years old and have the right, authority, and capacity to enter into these Terms, either on behalf of yourself or the entity that you represent; (b) you agree to and accept these Terms, which also incorporate by reference our Privacy Policy, which can be found at https://www.nestment.com/privacy-policy (the “Privacy Policy”), each of which may be updated from time to time without notice to you as further set forth herein or therein; (c) if these Terms have materially changed since you last access or used the Services, you acknowledge and agree that your continued access or use of the Services constitutes your acceptance of the these Terms as changed; and (d) you consent to receive communications from us electronically, and agree that such electronic communications, notices and/or postings satisfy any legal requirements that such communications be in writing.
3.1. Disclaimer. No portion of the services, or anything contained in the Services including, without limitation, any Nestment Content (as defined below), constitutes, or is intended to constitute, investment, financial, accounting, tax, legal, or any other advice; nor should it be considered an offer, solicitation of an offer, or advice to buy or sell securities. Any decisions based on the information contained in the Services are made solely by, and are the sole responsibility of, you or the user of the Services. The securities made available through or discussed on the Services, representing interests in various real estate assets, may not besuitable for all investors. Nestment makes no representations that such securities are available to or appropriate for investors or users in all jurisdictions or locations, nor that any investment vehicle is available or suitable for any particular user or purpose. All users accessing the Services do so on their own initiative and are solely responsible for compliance with applicable local laws and regulations.
3.2. General Risks. Investing involves risk, including market risks and macro conditions such as inflation and political and economic risk, and investments may lose value. Before investing, consider your investment objectives, financial resources, experience and risk tolerance and fees related to investing through the Services. Past performance does not guarantee future results. All investment outcomes and projections are hypothetical in nature and cannot be guaranteed. Investing in real estate assets, and in securities representing interests in real estate assets, involves higher risks than traditional investments and may have different financial and/or tax implications.
3.3. By using the Services, you represent and warrant that, with respect to making, or
the decision to make, an investment in any security made available on or through the Services:
3.4. Metrics. Any and all displayed metrics, whether Internal Rate of Return, Return
on Investment, or otherwise, presented on this site are for informational purposes only and should not be relied upon for investment, or any other, decisions. Nestment makes no claim or warranty to the accuracy, expected returns, or probability projections, as they do not reflect actual future performance. Metrics are provided by third parties and are not independently assessed by Nestment or its affiliates. We cannot ensure the quality or accuracy of any and all third-party provided data.
Subject to your compliance with these Terms and any required payments during the course of the Services, we grant you a limited, non-exclusive,non-sublicensable, revocable, non-transferable license to access and use the Services for your personal, noncommercial use. It is a condition of your use of the Services that the informationyou provide is correct, current, and complete. Your use of the Services is at your own risk. Anyrights not expressly granted herein are reserved by the Nestment and its licensors. You areresponsible for making all arrangements necessary for you to access the Services. The Services shall include, without limitation, any services, applications, extensions, passes, or widgets offered by us that you download or receive from third-party application stores (also known as app stores), subject to the terms of such stores, or providers authorized by us. To use the Services, you may need and are responsible for having compatible hardware, software (latest version recommended and sometimes required), and internet access (fees may apply, e.g., your carrier's normal rates and fees, such as data charges and text messaging, will still
apply). The Services' performance may be affected by these factors. We cannot and do not make any representations or warranties with respect to the devices you use to access or use the Services, including with respect to device compatibility.
Although we hope to make the Services available at all times in the future, there may be times when we need to disable the Services either temporarily or permanently. We reserve the right to discontinue, change, suspend, remove, and/or disable access to any Service and to impose limits on the use of or access to any Service, in each case at any time and without notice or liability. In no event will we be liable for the discontinuance, modification, suspension, or removal of, or disabling of access to, any such Service at any time and/or for any period of time. Also, from time to time, we may restrict access to some parts of the Services, or all Services, to registered users.
Some or all of the Services, and certain features or functionalities, may require that you register for an account with us. When you do, we may ask you to provide certain registration details, such as your email address or other information about yourself. In the event Nestment provides the option to register for the Services through your account on a third-party platform, you authorize Nestment to access such account as permitted under the applicable terms and conditions that govern your use of such account (including accessing and using your account credentials and other information shared from the third-party platform account as authorized by you). All such information is subject to our Privacy Policy. You agree that the information that you provide us about yourself upon registration is true, accurate, current, and complete. You may not impersonate someone else to create an account, create or use an account for anyone other than yourself; permit anyone else to use your account; or provide personal information for purposes of account registration other than your
own. In order to ensure we can protect and properly administer the Services and our community of users, we have the right to disable or close any user account at any time and for any or no reason.
Once you have an account, you are responsible for all activities that occur in connection with your account. You will keep your account access credentials confidential and will not disclose such credentials to any third party. You agree to immediately notify us if you have any reason to believe that your account credentials have been compromised or that there is, was, may be, or may have been any unauthorized use of your account or password, or any other breach of security.
You may use the Services only for lawful purposes and in accordance with these Terms. We are under no obligation to enforce the Terms on your behalf against another user. We encourage you to let us know if you believe another user has violated theTerms or otherwise engaged in prohibited or illegal conduct. You agree not to, and will not assist, encourage, or enable others to:
The restrictions above only apply to the extent permissible under applicable law. Nevertheless, you agree not to act contrary to them (even if permissible under applicable law) without providing 30 days' prior written notice to us at [email protected], together with any information that we may reasonably require to give us an opportunity to provide alternative remedies or otherwise accommodate you at our sole discretion.
We own the Services and all of our trademarks, logos, branding, and any other Content that we create in connection with the Services (“Nestment Content”), including, without limitation, current and future proprietary rights of every kind and nature, however denominated throughout the world, registered or unregistered, associated with such Nestment Content and the Services (collectively, “Nestment IP”). Except as expressly provided herein, we do not grant you any express or implied rights, and all rights in and to the Nestment IP are retained by us. We are not responsible or liable to any third party for the content or accuracy of any materials shared by you or any other user through the Services. You understand that when using the Services, you may be exposed to text, images, photos, audio, video, location data and/or other forms of data or communication (“Content”) from a variety of sources, and that Nestment is not responsible for the accuracy, usefulness, safety or intellectual property rights of or relating to such Content. We do not endorse any Content made available through the Services by any user or other licensor, or any opinion, recommendation or advice expressed therein, and we expressly disclaim any and all liability in connection with such Content.
All feedback, comments, requests for technical support and other communications relating to the Services should be directed to [email protected]. By sending us any ideas, suggestions, documents and/or proposals (“Feedback”), you agree that (a) the Feedback does not contain the confidential or proprietary information of third parties; (b) we are under no obligation of confidentiality, express or implied, with respect to the Feedback; (c) we may have something similar to the Feedback already under consideration or in development that is owned by us; and (d) you grant us an irrevocable, non-exclusive, royalty- free, perpetual, worldwide license to use, modify, prepare derivative works, publish, distribute and/or sublicense the Feedback, and you irrevocably waive, and agree to cause to be waived, against Nestment and its users any claims and assertions of any moral rights contained in such Feedback.
The Services may contain links to third-party websites and services or display advertisements for third parties (collectively, “Third-Party Links & Ads”). Such Third-Party Links & Ads are not under the control of Nestment, and Nestment is not responsible for any Third-Party Links & Ads. Nestment provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve,monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links & Ads.
NESTMENT HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY AND/OR FITNESS FOR PARTICULAR PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. NESTMENT DOES NOT GUARANTEE THE ACCURACY, TIMELINESS, COMPLETENESS OR USEFULNESS OF THE SERVICES OR ANY CONTENT. YOU AGREE TO USE THE SERVICES AT YOUR OWN RISK. NESTMENT DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE SERVICES, THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY OR THROUGH, THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE AND/OR THAT DEFECTS IN THE SERVICES WILL BE CORRECTED. WITHOUT LIMITING THE FOREGOING, NESTMENT DISCLAIMS ANY WARRANTIES ARISING FROM TRADE USAGE, COURSE OF DEALING OR COURSE OF PERFORMANCE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY NESTMENT OR ITS AUTHORIZED REPRESENTATIVE(S) SHALL CREATE A WARRANTY. IF YOU ARE DISSATISFIED WITH THE SERVICES OR ANY OF THESE TERMS, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SERVICES.
YOU ACKNOWLEDGE THAT YOUR ACCESS TO AND USE OF THE SERVICES AND ANY RELIANCE UPON EITHER ARE AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL NESTMENT OR ANY OF ITS OWNERS, MANAGERS, OFFICERS, DIRECTORS, MEMBERS, SHAREHOLDERS, AFFILIATES, SUBSIDIARIES, EMPLOYEES, CONTRACTORS, AGENTS, REPRESENTATIVES OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION AND/OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE SERVICES, WHETHER OR NOT NESTMENT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ON ANY THEORY OF LIABILITY (INCLUDING CONTRACT, TORT NEGLIGENCE OR OTHERWISE) ARISING OUT OF, IN CONNECTION WITH OR RESULTING FROM THE SERVICES. YOU SPECIFICALLY ACKNOWLEDGE THAT DOWNTIME AND COMPUTER VIRUSES ARE RISKS INHERENT IN THE USE OF THE INTERNET AND SOFTWARE PRODUCTS, AND YOU AGREE TO ASSUME RESPONSIBILITY FOR ANY HARM OR DAMAGES OF ANY KIND OR CHARACTER WHATSOEVER RESULTING FROM THESE POSSIBLE HARMS. YOU ALSO SPECIFICALLY ACKNOWLEDGE THAT YOU MAY BE DISCLOSING SENSITIVE, PRIVATEAND CONFIDENTIAL INFORMATION ABOUT YOURSELF IN YOUR USE OF THE SERVICES AND YOU AGREE TO ASSUME RESPONSIBILITY FOR ANY HARM OR DAMAGES OF ANY KIND OR CHARACTER WHATSOEVER RESULTING FROM YOUR RELEASE OF SUCH CONTENT. IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN AS MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE GREATER OF (A) THE AMOUNT PAID BY YOU FOR THE SERVICES IN THE SIX (6) MONTHS PRECEDING THE APPLICABLE CLAIM, IF ANY, OR (B) ONE HUNDRED DOLLARS ($100.00). IT IS THE INTENTION OF YOU AND US THAT THIS PROVISION BE CONSTRUED BY A COURT AS BEING THE BROADEST LIMITATION OF LIABILITY CONSISTENT WITH APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF INCIDENTAL, CONSEQUENTIAL OR
OTHER TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE-STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
You agree to indemnify and hold harmless Nestment and its subsidiaries, affiliates and licensors and their respective owners, managers, officers, directors, members, shareholders, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses and/or fees (including reasonable attorney's fees) arising from or related to (a) your violation of these Terms; (b) your use or access of the Services; (c) your violation of any third-party right, including, without limitation, any intellectual property right or right of publicity; (d) any claim that your use of the Services caused damage to a third party; or (e) from any decision that you make based on or through, as applicable, the Services, Content or any other investment vehicle made available via the Services.
These Terms, and the license granted herein, shall be governed by the laws of the State of Delaware, without respect to its conflict of laws principles. You agree to submit to the personal jurisdiction of the federal and state courts located in San Francisco County, California. Your use of the Services may also be subject to other local, state, national or international laws.
READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE
PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU
CAN SEEK RELIEF FROM NESTMENT. For any dispute with Nestment, you agree to first contact us at [email protected] and attempt to resolve the dispute with us informally. In the unlikely event that Nestment has not been able to resolve a dispute after sixty (60) days, we each agree to resolve any claim, dispute or controversy (excluding any claims for injunctive or other equitable relief as provided below) arising out of, in connection with or relating to these Terms, or the breach or alleged breach hereof (collectively, “Claims”), by binding arbitration by AAA, under the Arbitration Rules then in effect for AAA, except as provided herein. The AAA Consumer Arbitration Rules (“Arbitration Rules”) governing the arbitration are available online
at www.adr.org or by calling the AAA at 1-800-778-7879. The arbitration will be conducted in San Francisco, California, unless you and Nestment mutually agree otherwise. If you are using the Services for commercial purposes, each party will be responsible for paying any AAA filing, administrative, and/or arbitrator fees in accordance with AAA rules, and the award rendered by the arbitrator shall include costs of arbitration, reasonable attorneys' fees and reasonable costs for expert and other witnesses. If you are an individual using the Services for non-commercial purposes: (a) AAA may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from AAA; (b) the award rendered by the arbitrator may include your costs of arbitration, your reasonable attorneys' fees and your reasonable costs forexpert and other witnesses; and (c) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this does not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this section shall be deemed as preventing Nestment from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation or violation of our data security, intellectual property rights or other proprietary rights.
WITH RESPECT TO ALL PERSONS AND ENTITIES, REGARDLESS OF WHETHER THEY HAVE OBTAINED OR USED THE SERVICES FOR PERSONAL, COMMERCIAL OR OTHER PURPOSES, ALL CLAIMS MUST BE BROUGHT IN THE PARTIES'; INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE PROCEEDING. THIS WAIVER APPLIES TO CLASS ARBITRATION, AND, UNLESS WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS. YOU
AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND NESTMENT ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.
We reserve the right to modify these Terms, and to add new or additional terms or conditions on your use of the Services, for any reason, without notice, at any time. Such modifications and additional terms and conditions will be effective immediately and incorporated into these Terms. Your continued use of the Services will be deemed acceptance hereof. We will notify you of material changes by email or posting a notice on our website prior to the effective date of such changes. What constitutes “material changes” will be determined at our sole discretion, in good faith and using common sense and reasonable judgment.
Nestment may terminate your access to all or any part of the
Services at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate your registration and account, you may do so at any time by contacting us at [email protected]. Upon any termination, all rights and
obligations of the parties shall cease, and you shall immediately cease using the Services, except that (a) all obligations that accrued prior to the effective date of termination, (b) all remedies for breach of these Terms, (c) the provisions of Sections 8,
9, 11-15 and 17-19 shall survive, and (d) any other provisions of these Terms that by their nature must, or are intended by the parties to, survive termination or expiration of these
Terms shall so survive.
If you access or use Nestment’s service “Nestment Key”, in addition to the remainder of the Terms, you agree to be bound by these Nestment Key Terms. Nestment Key is a paid service provided by Nestment. You may be offered a free trial for a certain period of time. You may access the Nestment Key services only if you have a Nestment Key user account. You agree to use Nestment Key services lawfully and as intended for personal and non-commercial use. Only the individual who signs up for Nestment Key may use the service. You may not resell or transfer access without Nestment’s written consent. You must promptly notify Nestment of any unauthorized use of Nestment Key services. You areresponsible for providing Nestment with accurate, quality, and legal information necessary for Nestment Key services.
Nestment may, in its sole discretion, establish and offer rewards programs to users of the platform (whether free or paid) in connection with the verified closing of a property (“Rewards”). Rewards are discretionary in nature, are not guaranteed, and may be modified, suspended, or terminated by Nestment at any time without notice. Eligibility for Rewards is subject to Nestment’s verification of the closing and compliance with these Terms.
We welcome your questions and comments about these Terms. Please contact us via email at [email protected].
Home Affordability Calculations
These calculations utilize the Fannie Mae multifamily home loan program to put a 5% down payment for a 30 year fixed mortgage at a 6.5% interest rate (rates subject to market conditions) on a triplex property.
Home Price
The total down payment available is calculated by multiplying the down payment amount by the total number of co-buyers in the group. The home price is then calculated by dividing the total down payment amount by 0.05 to simulate a 5% down payment. If the amount is greater than the max triplex loan limit of $1,033,000 then that limit amount is used. Higher loan limits do exist for quadplexes.
Equity Growth
The equity growth is calculated by dividing the pro rata projected equity value in the home in 5 years by each member’s down payment amount. The projected 5 year equity value factors in the home locality’s forecasted appreciation along with the principal contribution portion of each monthly mortgage payment. The return is significantly higher than the projected appreciation of the home because it is calculated relative to the down payment amount, which makes for a more accurate measure of return on initial investment.
Monthly Cost
The monthly cost is calculated by subtracting the monthly mortgage amount from the city's projected median rent for a 3 bed unit, and dividing by the group size. This assumes one unit is occupied by the buyer and the remainder are rented out.
For further customizations or personalization, please book a free call with a Nestment team member.
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