Risk warnings

General investment risks

All investments carry risk, and real estate co-investments are no exception. The value of your investment can decrease as well as increase, and you may receive back less than you originally invested. Past performance does not guarantee future results, and forecasts are estimates only.

Before making any investment, you should carefully consider whether it is appropriate for your financial situation, investment objectives, and risk tolerance. If you are uncertain, we strongly recommend seeking independent financial advice from a qualified professional.

Capital risk

Your invested capital is at risk. Unlike bank deposits, investments made through FirmHarbor are not protected by the Federal Deposit Insurance Corporation (FDIC) or any equivalent government guarantee scheme. There is a possibility that you could lose some or all of your invested capital.

Illiquidity risk

Real estate investments are inherently illiquid. Once you invest in a property through FirmHarbor, your capital is typically committed for the duration of the investment term (usually 3–5 years). There is no secondary market for these investments, and early withdrawal may not be possible or may result in significant losses.

Market and economic risk

Property values and rental income are influenced by broader economic conditions including interest rate changes, inflation, employment levels, and housing market cycles. A downturn in the economy or local property market could negatively impact the value of your investment and the income it generates.

Property-specific risks

Individual properties carry specific risks including vacancy periods where no rental income is generated, unexpected maintenance or repair costs, changes in local regulations or zoning laws, environmental issues, and damage from natural disasters or other events that may not be fully covered by insurance.

Regulatory risk

Changes in tax legislation, real estate regulations, or investment platform requirements could affect the returns on your investment or the way the platform operates. FirmHarbor operates within current regulatory frameworks but cannot guarantee that future regulatory changes will not impact your investment.

Concentration risk

Investing a significant portion of your capital in a single property or a small number of properties increases your exposure to property-specific risks. We recommend diversifying your investments across multiple properties and locations where possible.

Important disclosures

FirmHarbor Inc. is not a bank, does not accept deposits, and is not FDIC-insured. The investment products offered through our platform are securities that involve significant risk, including the potential loss of your entire investment.

The projected returns shown on our platform are based on forecasts and estimates. Actual results may differ materially from projections due to factors beyond our control. Projected returns should not be relied upon as a guarantee or promise of future performance.

Nothing on this platform constitutes investment advice, financial advice, trading advice, or any other form of advice. You should conduct your own research and consult with qualified professionals before making any investment decisions.

For additional information about the risks associated with investing through FirmHarbor, please contact us at or review our Terms of Service.