How REIGPlus works.

Our properties start from $100,000. With 70% DSCR financing available, the minimum upfront cash requirement is typically 30% of the purchase price plus closing costs — approximately $33,000–$45,000 on our entry-level listings. The $1,000 reservation deposit is deducted from your acquisition fee at closing and is not an additional cost. All-cash purchases are also welcome at any price point.

No. The entire process — from property selection to closing to ongoing management — can be completed remotely. We provide full virtual property tours. All legal documents are signed electronically via notarised remote instruments. Many of our investors have never set foot in Georgia and collect rent monthly.

Our target timeline is 60–90 days from reservation to first rental payment, subject to the completion of financing, closing, and tenant placement milestones. For properties that are already tenanted at the time of purchase, the first distribution can occur within 30 days of closing. Timelines depend on financing approval speed, title clearance, and tenant placement. Your advisor will give you a personalised estimate at your onboarding call.

REIGPlus was co-founded by Oghie Ojior and Tameka Ojior. Oghie brings over 25 years of experience in consulting, technology transformation, and investment strategy, having worked at Partner level at EY, TCS, and PwC. Tameka is a lifelong Atlantan and licensed Georgia real estate advisor operating through Homes by Tameka — she sources, verifies, and vets every property in our portfolio. We operate offices in both Lagos (Lekki) and Atlanta (Dunwoody).

We strongly recommend purchasing through a U.S. LLC for three reasons. First, an LLC limits your personal liability — if there is a legal dispute relating to the property, your personal assets are protected. Second, an LLC simplifies U.S. tax filing for non-resident investors. Third, a U.S. LLC-held asset is the correct structure for certain immigration-related financial purposes. While technically possible to purchase in your personal name, we do not facilitate this structure due to the associated risks.

As a non-resident alien investing through a U.S. LLC, you will typically owe U.S. federal income tax on net rental income. Your LLC will file a U.S. tax return annually; you will receive a 1042-S form showing your income and any withholding. We coordinate with our CPA partners to ensure your annual filing is completed correctly. When you sell, FIRPTA withholding applies — typically 15% of the gross sale price, credited against your actual tax liability. You should also consult a tax adviser regarding your obligations on foreign-sourced income.

FIRPTA (Foreign Investment in Real Property Tax Act) is a U.S. tax law that requires the buyer of U.S. real property from a foreign seller to withhold 15% of the gross sale price and remit it to the IRS. This withholding is not a final tax — it is a prepayment against your actual capital gains tax liability. If your actual tax is less than the amount withheld, the IRS refunds the difference. We work with our CPA partners to file the necessary returns and optimise the net amount repatriated to you.

Because the property is held in a U.S. LLC, ownership of the LLC — and therefore the property — passes according to your LLC Operating Agreement. We include basic succession provisions in all our standard Operating Agreements. For more complex estate planning across global and U.S. jurisdictions, we recommend consulting both a local solicitor and a U.S. estate planning attorney. This is an area where individual circumstances vary significantly and professional advice is essential.

Under the UK-US tax treaty, you can claim a reduced dividend withholding rate (often 15%) and avoid double taxation on rental income. We also support direct GBP wire transfers for acquisitions. Stamp Duty is not applicable to U.S. property purchases.

UAE residents benefit from no personal income tax, meaning your U.S. rental income is typically only subject to U.S. federal tax. Our LLC structure aligns well with DIFC investor structures. All transactions are in USD, which is pegged to the AED, eliminating currency volatility.

Your U.S. rental income and capital gains must be reported to the CRA. Note that U.S. real estate held in an LLC is generally not eligible for FHSA or RRSP accounts. We provide the necessary documentation for your CPA to claim foreign tax credits.

Indian residents are subject to RBI's Liberalised Remittance Scheme (LRS), which caps overseas direct investment at $250,000 per financial year. We structure acquisitions to comply with FEMA guidelines and the India-US DTAA.

FIRPTA requires the buyer of U.S. property from any foreign seller (regardless of nationality) to withhold 15% of the gross sale price. This is a prepayment against your actual capital gains tax liability, not a final tax. If your actual tax is less, the IRS refunds the difference.

Yes. We facilitate DSCR loans and Foreign National mortgages, both of which qualify based on the rental income the property generates — not your personal U.S. credit history or income. We have facilitated financing for investors who had never held a U.S. bank account. Typical terms: up to 70% loan-to-value, 30-year term, fixed or adjustable rate. Individual approval is subject to each lender's underwriting criteria.

A DSCR loan qualifies based on the Debt Service Coverage Ratio — the ratio of the property's rental income to its monthly mortgage payment. A DSCR of 1.0 means rent exactly covers the mortgage; most lenders require 1.1–1.25. Our Augusta and Columbus properties typically achieve DSCR ratios of 1.3–1.6, meaning they qualify comfortably. You do not need to prove your personal income or have a U.S. credit file. The property's income does the qualifying.

Cash purchases are welcome and typically faster — closing can occur in as little as 30 days from reservation. You will not require DSCR pre-qualification. Your monthly cash flow will be higher (no mortgage payment) but your cash-on-cash return will be lower than a leveraged purchase, since you are deploying more capital. Many investors start with a cash purchase to simplify their first transaction, then refinance later to release capital for a second property.

It means our local Georgia property management partner handles everything: tenant screening and placement, lease execution, rent collection, routine maintenance, emergency response, and annual inspections. You receive a monthly statement showing income and expenses. You approve any major capital expenditure above a pre-agreed threshold (typically $500). Beyond that, your involvement is reviewing your monthly statement and filing your annual U.S. tax return with our CPA partner.

Your investor dashboard is activated when your property closes and tenancy begins. It shows your monthly rental income, expense breakdown, property valuation estimate, and the status of any management items. You also receive your monthly income statement and annual 1042-S tax document through the dashboard. Access is provided via a secure login link to your registered email address.

Your property management partner handles tenant default, including formal notices, payment plans, and — if necessary — the legal eviction process under Georgia law. Georgia's landlord-tenant laws are generally considered favourable to landlords, with eviction proceedings typically concluding within 30–60 days of initiation. During vacant periods, your property management partner immediately begins marketing the property for a new tenant. We select markets with structural rental demand — Columbus (military), Augusta (medical/university), Savannah (port logistics) — specifically to minimise vacancy risk.

You can sell at any time — there is no minimum hold period. When you are ready to exit, notify your REIGPlus advisor. We coordinate the disposition: listing the property through Homes by Tameka, managing buyer negotiations, and handling closing. As a non-resident seller, FIRPTA withholding applies at closing. Our CPA partner files the necessary returns and we coordinate repatriation of net proceeds to your nominated account. Exit timelines typically 60–120 days from listing to closing.