Guiker manages a Limited Partnership with a unique series for each property consisting of 100,000 units. This isolates the risk and returns to each property. Guiker is the General Partner, similar to executive management in a company, and manages the partnership.

Guiker has an experienced acquisitions team whose market knowledge is informed by the thousands of units rented and managed through Guiker every year. This gives us a unique ability to source the best deals, which are often off market

We conduct thorough due diligence on every property, including appraisals, physical inspections, interviews with tenants, contract reviews, and location and financial analyses.

Once an attractive market and property have been determined and negotiated at an attractive price with the seller, Guiker signs a conditional sale agreement. Guiker then conducts additional due diligence on the property before listing it on the platform for reservations.

Simply visit www.guiker.com and fill out an investor profile. Our compliance and investment teams will review your financial profile and investment goals before approving and providing recommendations.

We'll be looking for things like:

• Name, address, and other contact information

• Current employment and history

• Investment experience

• Investment goals and timelines

In Canada, investors can qualify as either an Accredited investor, an Eligible investor, or a Non-Eligible investor.

Accredited Investors can invest any amount

Eligible Investors can invest up to $100,000 per year

Non-eligible Investors can invest up to $10,000 per year

To qualify as Accredited or Eligible, investors must meet the criteria specified by the Ontario Securities Commission.

The Ontario Securities commission defines Accredited and Eligible investors as the following:

Accredited investors must meet at least one of the below criteria:

• Net income before taxes of more than $200,000 in each of the two most recent calendar years and expected net income of more than $200,000 in the current calendar year.

• Net income before taxes combined with a spouse of more than $300,000 in each of the two most recent calendar years and expected combined net income of more than $300,000 in the current calendar year.

• Financial assets, alone or with a spouse, of at least $1 million before taxes but net of related liabilities. Financial assets include cash and bank deposits but not the value of a house.

• Net assets, alone or with a spouse of at least $5 million. Net assets generally include all of your assets after subtracting your debt.

Eligible investors must meet at least one of the below criteria:

• Net assets, alone or with a spouse, exceeding $400,000.

• Net income before tax exceeding $75,000 in the previous two calendar years, with an expectation to exceed that level in the current year.

• Net income, alone or with a spouse, exceeding $125,000 in the previous two calendar years, with an expectation to exceed that level in the current year.

Guiker's unique market advantage is our completely integrated rental and investment ecosystem. We know first-hand the high costs associated with unhappy tenants or mismanaged properties and know that the way to maximize returns for investors is to be responsible managers and good landlords.

Most Propsharing companies contract out to third-party managers to handle the day-to-day operations of their fractional investment listings - things like rent collection, paperwork, and repairs. This not only means higher costs to investors, but it also reduces transparency into the costs that impact investor returns.

Here are some of the advantages of Guiker’s unique structure:

Access to the best opportunities: We use our first-hand insight into the costs and earning potential associated with the properties that we lease and manage to source deals with significant upside. Many of the deals we offer to investors are off market, which means they are at their peak earning potential.

Increased transparency: By removing third parties we’re able to offer investors increased transparency into the costs and management decisions that affect their returns.

Better management efficiencies: Years of management experience combined with our proprietary technology means we don’t have to compromise on quality and can deliver a more efficient management experience for investors and tenants.

In most cases, yes. We typically acquire buildings that are occupied and generate steady monthly income.

At the time of acquisition, most Guiker properties are already generating rental income with paying tenants.

The rental application process includes employment and income verification, rental history, and credit report and background checks.

Guiker's experience leasing thousands of properties every year gives us unique insights into the ideal market rent for properties in the markets in which we operate. This results in less vacancies and higher potential return. Our market rent is priced to match the quality of the property and stay competitive to comparable properties in the area.

Clients participate in financial ownership only. There are no occupation rights. Although, if you’re a tenant in a Guiker property, we would encourage you to buy some of the property to save on rent.

Guiker has insurance on every property. Clients can be reassured that in significant loss scenarios insurance coverage will be triggered.

If minor repairs are needed, such as a new toilet or fridge, these costs would come out as monthly expenses from the monthly revenue. If the monthly expenses are more than the rent generated, those costs would be covered by the cash reserve for each property. When the cash reserve has been depleted, the monthly rental payments will go toward replenishing it before any dividends are paid. The target cash reserve amount is posted on each property.

No. All expenses and liabilities fall on the partnership, and clients cannot lose more money than they invest. Guiker, as the General Partner, assumes any additional risk on behalf of the partnership.

All of our clients’ cash and investments are separate from Guiker’s operations and are subject to creditor protection. All cash is held in in-trust accounts at Canadian financial institutions. All cash would remain accessible, and your ownership of properties would not be impacted.

No. Guiker is responsible for managing each property.

No. Investors have no property management responsibilities. Guiker handles property selection, purchase, renovation, tenant placement, and maintenance, allowing investors to earn income from rent payments with minimal effort.

Part of our due diligence process before adding a property to our portfolio is conducting a review of who’s living in or occupying the spaces. Each property has a cash reserve to fund the gaps between vacancies. Guiker’s years of leasing experience contributes to our ability to find qualified tenants quickly and maintain high returns for investors.

When we acquire a building, we determine a defined life span for it on our platform that may range from 1 to 15 years. While it is on the platform, its units can be traded freely. When a target sale date has been reached, trading will be paused. The property will be delisted as we go to market and find a buyer.

When the building is sold, each investor will receive payment from the profits that is proportional to their unit ownership, e.g., an investor who owns 1% will receive 1% of the proceeds as cash into their Guiker account.

It’s important to note that 100% of every sale goes back to our clients. There are no performance fees.

Each property has a unique anticipated hold period, but we typically estimate a timeline of 7-10 years.

The determination of when to sell a property is made based on a series of relevant factors, including the prevailing and projected economic conditions, whether the property is anticipated to appreciate or decline substantially, and how any existing lease may impact the sales price we may receive.

Guiker strives to give investors the opportunity to build wealth through real estate and historically, real estate returns have been maximized when treated as a long-term investment over multiple years. As a result we have designed the Guiker platform and our products for investors who are looking to build wealth over the long term. We do not recommend Guiker for investors that wish to hold their investment for days, weeks or even months.

Guiker's preference for long-term investments in real estate is driven by the stability and wealth-building advantages it offers. This approach ensures consistent returns, minimizes transaction costs, and effectively navigates market cycles for optimal results.

Although our goal is to stay as true to our initial timelines as possible, if we feel the market is mispriced as the target sell date approaches, we may delay selling the property until we think the market is fairly pricing the asset. However, this would be rare and depend on extenuating circumstances. If that happened, we would set a new target date and share it with all clients.

We maximize liquidity for our clients by having a target sell date. Clients can have peace of mind knowing that they won’t be locked into an investment indefinitely. This also ensures properties are priced accurately on the market.

Overall market forces dictate the value of a unit. Guiker assesses the property based on numerous factors, including recent appraisals, demand for the property, outstanding mortgage balance, cash reserves, and overall market conditions.

Your entire investment will go toward the property minus the fees. Guiker does not take any percentage of the profits.

Rental profits are typically distributed to investors quarterly. Amounts may vary due to expenses, and vacancies. Amounts are deposited into clients’ Guiker wallet where they can be withdrawn or re-invested.

Distributions are deposited into clients’ Guiker wallet. These funds can be used to invest in other units or transferred to their personal bank account.

We anticipate filing a secondary trading market, however there can be no guarantee if/when that will be available.

If the closing date comes and not all of the equity has been raised, Guiker may secure the balance and sell off the remaining units after the acquisition. If Guiker chooses not to back-stop the acquisition of a property due to a lack of client interest, any of the clients who contributed to that property will receive a full refund.

Guiker’s primary focus is on income-producing residential, office, and retail properties. As we grow, we hope to broaden the types of properties available.

Our clients can expect to have access to properties across Canada. Over time we will offer international properties as well.

For international investors, book a call with us to determine your eligibility. Email us at invest@Guiker.com to get in contact with one of our team members.

Yes, there is risk to any type of investment. However, unlike direct investment in real estate, Guiker clients cannot lose more than they invested. Guiker clients can also be assured that an experienced acquisitions team and seasoned investment committee conduct thorough analysis of every property to ensure a sound investment.

Yes, but we have some of the lowest fees in the real estate industry. Guiker has a simple and transparent fee structure:

• $4.99 transaction fees + $0.65 HST (about 99.9% less than traditional selling fees)

• 2% asset management fee

• 1% one-time property acquisition fee for each new property on the platform.

• 0% performance fee (meaning our clients earn 100% of any property appreciation on top of the income generated)

Transaction fees are charged on each transaction on the platform.

• The 5% property management fee is charged on the amount of rental income for the property and is deducted monthly.

• The 1% property acquisition fee is built into the cost of the units, so no additional fee is taken from your investment.

• The 2% asset management fee is charged annually

Our asset management fee (2%) is based on the value of the equity invested in each property. Many of our properties are partially funded by a mortgage, so the value of equity invested will always be less than the Net Asset Value of the property

Guiker’s MERs reflect the fees in relation to the equity portion of an investment.

For example, a property on Guiker with a 50% mortgage, would have an MER of about 1%. This will be slightly lower for properties with a lower mortgage ratio, and slightly higher for ones with a higher mortgage ratio.

By comparison, average MERs for mutual funds in Canada are approximately 2.25%, and fees for typical real estate investment are even higher.

It’s important to note that Guiker does NOT charge performance fees. Our clients capture any appreciation in asset value on top of the monthly income generated from the rents.

Currently the property management fee is 5% of the gross rental income. Most third-party property managers charge 7-15%.

Property managers may also charge one-time expenses for repairs, and maintenance.

No. Clients are not responsible for the mortgage on the properties, and their investments have no impact on their credit scores.

As long as prospective clients meet the age of majority, they are free to sign up. Guiker will conduct a suitability assessment with tailored limits based on their specific financial details entered during the onboarding questionnaire.

We want to make sure people who are investing on our platform are using Guiker in a way that is appropriate and advantageous for their individual circumstances.

Much like other registered investment platforms, we look at a number of factors to ensure we accept clients who are in the right position to invest on Guiker, including:

• Overall net worth

• Risk appetite

• Investment knowledge and experience

These factors help us determine the threshold of purchases clients are authorized to make on Guiker. If a trade is viewed as unsuitable based on your profile, Guiker will advise that the action is not recommended. Our goal is to ensure our clients are well-informed about the risks inherent to investing in any industry.

Unlike other crowdfunding platforms, Guiker does not have a minimum or maximum funding requirement, as our investors come from different financial backgrounds and goals. Each property has a different price per unit, so this should be taken into consideration when adding funds to your Guiker wallet. But, you are free to fund your account in any amount you would like.

The quickest and easiest way to purchase investments on Guiker is to pay directly from your bank account. You can also fund your wallet from your bank account for a later purchase. We do not accept credit card payments.

No. We do not accept credit card payments.

When you sign up, you will receive detailed disclosures on the properties available for investment. On each property page, you'll find an offering memorandum providing extensive information on each property. You’ll also find a Limited Partner agreement, where you can review your rights as a Limited Partner. Throughout the duration of your investment, we keep clients informed through quarterly updates and any other changes.

An Offering Memorandum (OM) provides essential details about the investment opportunity, including its financials, and risks, allowing potential investors to make informed decisions. This document is crucial for transparency and compliance in private placements where securities are not publicly registered.

We are working to offer TFSA- and RRSP-eligible investments.

Absolutely. We have built bank-grade security to keep everything safe. Want to know more? Check out our blog for more info.

As with any investment, your jurisdiction’s tax laws will apply. Guiker will prepare all necessary documentation and guidance to help our clients file their taxes appropriately. We recommend you consult a tax professional to assess your specific circumstances.

Guiker property distributions are considered Return of Capital, meaning they reduce the cost basis of your investment. When those units are sold, Capital Gains tax is applied to the sale price less the adjusted cost basis.

For example, you bought $5,000 worth of units of 356 Queen Street West and received $1500 in distributions over 10 years, and then sold those units for $8,000. You would be taxed Capital Gains tax on $4500 (8,000 - 3500), which is then taxed 50% at your marginal tax rate.

In contrast, with other real estate investment vehicles such as a Real Estate Investment Trust (REIT), distributions are considered Income and are taxed at 100%. Meaning, if you made the same amount of profit with Guiker versus a REIT over that same 10-year period, you would pay half as much taxes with Guiker.

No. All purchases must take place on the Guiker platform. We determine whether we accept or fill trades.