True North Investor Education

Invest with
Understanding.

From your first $100 investment to building a diversified portfolio — our education library covers everything you need to invest with confidence and clarity.

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★ Featured Article

Fractional Real Estate Investing 101: How It Works and Why It Matters

For most of history, real estate investing required either owning an entire property outright or partnering with wealthy individuals. Fractional investing changes the math — here's everything you need to know to get started safely.

TN
True North Team
· 12 min read · Feb 18, 2026
📊 Metrics & Returns
Understanding IRR vs. CoC Return: What Real Estate Investors Actually Need to Know
Two numbers you'll see in every offering memorandum — and why they tell very different stories about your investment.
8 min read → Feb 14, 2026
⚖️ Legal & Compliance
Regulation CF vs. Regulation D: Which Matters for Your Investment?
The SEC has two key exemptions that allow platforms like True North to operate. Here's what they mean for you as an investor and why it matters.
10 min read → Feb 10, 2026
🏗 Investing Basics
What Is a Fund Sponsor and Why Does Their Track Record Matter So Much?
The person or company executing the deal is often the most important variable in any real estate investment. Here's how to evaluate them.
7 min read → Feb 5, 2026
🌴 Market Insights
Why Central Florida Real Estate Is One of the Most Compelling Investment Regions of 2026
Population growth, undersupply, and employment diversity make the Orlando MSA an unusually strong fundamentals story right now.
9 min read → Jan 29, 2026
♟ Strategy
How to Build a Diversified Real Estate Portfolio Starting at $500
Diversification doesn't require millions. Here's a practical framework for spreading risk across asset types, geographies, and fund durations.
11 min read → Jan 22, 2026
🪪 Legal & Compliance
What document review / AML Actually Means and Why It's Required Before You Invest
Know Your Customer and Anti-Money Laundering laws exist to protect investors and the financial system. Here's what the process looks like and why it matters.
6 min read → Jan 15, 2026
💹 Metrics & Returns
The Equity Multiple Explained: A Simple Metric That Tells You What Your Money Actually Did
If you invest $1,000 and get $1,420 back, your equity multiple is 1.42x. It sounds simple — here's why it's one of the most honest metrics in real estate.
5 min read → Jan 8, 2026
🇧🇷 Strategy
Investing in US Real Estate as a Brazilian or Latin American Resident: A Complete Guide
Currency hedging, tax treaties, withholding requirements, and how True North supports international investors from Brazil, Colombia, Mexico, and beyond.
14 min read → Dec 20, 2025
🏘 Investing Basics
The 12-Month Lockup Period: What It Means and How to Plan Around It
Regulation CF requires a mandatory holding period. It's not a flaw — it's a feature that protects funds and aligns incentives. Here's how to think about liquidity.
6 min read → Dec 12, 2025
Quick Reference

Investor Glossary

Key terms you'll encounter in every offering memorandum.

IRR — Internal Rate of Return
The annualized effective compounded return rate that makes the net present value of all cash flows equal to zero. Used to compare investment efficiency over time. A projected 14% IRR means the fund is expected to grow capital at that annualized rate over its term.
CoC — Cash-on-Cash Return
The annual pre-tax cash income divided by the total cash invested. Unlike IRR, CoC measures only the cash distributions received, not equity appreciation. A 8% CoC on a $1,000 investment means $80 in distributions per year.
Equity Multiple
Total distributions plus returned capital divided by original investment. A 1.42x multiple means for every $1 invested, you receive $1.42 back over the fund's life. It doesn't account for time — a 1.42x over 3 years is far better than over 10 years.
Preferred Return
A minimum return threshold that investors receive before the fund sponsor earns profit participation (carry). An 8% preferred return means investors receive the first 8% of returns; only profits above that threshold are shared with the sponsor.
Regulation CF
SEC exemption allowing companies to raise up to $5M per year from non-accredited investors via registered crowdfunding platforms. True North is registered under Reg CF, enabling $100 minimum investments from qualified individuals.
Regulation D
SEC exemption for private securities offerings, primarily to accredited investors (income >$200K/yr or net worth >$1M). Reg D funds have no cap on raise size but are limited to verified accredited investors only.
Waterfall Distribution
The structured order in which profits are distributed between investors and sponsors. Typically: return of capital → preferred return → catch-up → split profits. Understanding the waterfall tells you exactly how and when you get paid.
Lockup Period
The minimum holding period before an investor can attempt to redeem their position. Under Reg CF, a 12-month lockup is mandatory. Even after the lockup, early redemption is not guaranteed and may carry a penalty fee.
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