PLAIN ENGLISH

What is an accredited investor?

It is not a license or a certification. There is nothing to apply for. It is a description the SEC uses for people who meet certain financial criteria, and many people who meet it have never been told.

THE CRITERIA

You qualify if either of these is true.

The net worth test

Your net worth, alone or together with a spouse, is over $1,000,000. The value of your primary residence is excluded from that calculation, and so is the mortgage on it.

The income test

Your individual income was over $200,000 in each of the last two years, or your joint income with a spouse was over $300,000, and you reasonably expect the same this year.

Either one is enough. These are separate tests, not a checklist. Meeting one of them makes you an accredited investor under SEC rules.

There are other categories as well. Certain entities qualify, as do individuals holding a Series 7, Series 65, or Series 82 license in good standing. Those are less common paths for individual investors, and they are noted here for completeness rather than as a recommendation.

VERIFICATION

Meeting the definition and proving it are two different steps.

Because this offering is available only to accredited investors, meeting the criteria is not by itself sufficient. Before any subscription can be accepted, an independent third party has to confirm your status. That usually means a letter from your CPA, attorney, or a registered broker-dealer or investment adviser, or documentation of income or assets. True North does not perform this review, and neither the pre-screen on this site nor anything you tell us on a call substitutes for it.

IF NOT YET

Circumstances change.

If you do not currently meet the criteria, this particular offering is not available to you, and we would rather tell you that plainly than leave it vague. Accredited status is based on your financial position, which changes over time. If yours does, the pre-screen is here whenever you want to check again.

Not sure where you land?

The pre-screen walks through the same criteria in about a minute.

This communication is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Any offer is made only to verified accredited investors by means of a confidential private placement memorandum and related offering documents, which should be read in their entirety. Investment in private real estate involves substantial risk, including the possible loss of principal, illiquidity, and the risk that projected results are not achieved. Past performance does not predict future results. Nothing on this site is investment, tax, or legal advice. True North Property Fund is not a registered investment adviser or broker-dealer.