At Golden Fraction, our mission is to give Canadian and US investors direct access to institutional-grade real estate — fractional income properties, pre-construction allocations bought straight from the builder, and a 1% downpayment program we are officially an eligible partner for.
A better experience for investors
Owning rental property is complex and time consuming, even for experienced investors. It takes capital, credit, and months of coordination before a single dollar of income arrives.
We simplify every step of that process: sourcing, underwriting, financing, legal structuring and management are handled by our team, so you decide only two things — which property, and how much.
The old way to invest in real estate
- Analyse hundreds of World-Wide properties, focusing on Canadian and US submarkets
- Find a lender and get approved for a mortgage
- Determine the real investment value of the asset
- Make an offer and hope it gets accepted
- Pay a 20–35% downpayment plus closing costs
- Close, insure and renovate the home
- List it, show it, and screen tenants
- Sign leases, hold deposits, chase late rent
- Manage maintenance — yes, toilets too
- Keep the books and file taxes every year
In short: a lot of steps, a lot of capital, and a second job you never applied for.
The Golden Fraction way
With Golden Fraction you browse pre-vetted opportunities, choose your amount, and build a portfolio in minutes. Ownership is held through a structured entity per property, so your position is documented, transferable and reportable in both Canada and the United States.
- Fractional real estate: own a percentage of an income-producing property and receive your share of net rent and appreciation.
- Pre-construction projects: allocations bought directly from construction partners at platinum-stage pricing.
- 1% downpayment program: enter a new-build contract with a 1% initial deposit and an extended payment schedule.
Three steps to your first investment
Step 1
Browse and choose investments
Explore a curated selection of properties and projects, each with a full fact sheet: pricing, term, projected return, developer, deposit structure and exit options.
Step 2
Fund your position
Pick a preset or enter a custom amount starting at $1,000.
Step 3
Earn income and participate in appreciation
We manage the asset on your behalf. Distributions are paid on schedule, and any appreciation is realized on sale, assignment or closing of the project.
Start investing from $1,000
Create your free investor account and browse every live opportunity on the platform.
Choosing the right investment product
Whether you want steady income, maximum appreciation, or the lowest possible entry cost, there is a structure that fits.
| Product | Return type | Minimum | Typical hold |
|---|---|---|---|
| Fractional property | Income + appreciation | $1,000 | 1–3 years |
| Pre-construction allocation | Appreciation | Varies by property | To occupancy |
| 1% downpayment program | Appreciation + leverage | 1% of price | To closing |
The 1% downpayment program
We are an officially eligible partner for the 1% downpayment program and work with construction companies directly. Investors secure a new-build unit with a 1% initial deposit, then follow an extended deposit schedule through construction rather than paying 20% up front.
Because allocations come to us straight from the builder, pricing is set at the earliest release stage — before public launch and before the standard construction-milestone increases.
Leave property management to the pros
Investing should not feel like a second job. Our management partners handle leasing, maintenance, remodels and reporting, and every partner passes a strict evaluation before they touch an asset on the platform.
Choose your investment level
We offer flexible amounts from $1,000 to over $1M. Investors have access to a cash balance at all times, which can be reinvested into new offerings or withdrawn along with distributions.
Handpicked investments by seasoned professionals
Our team combines decades of development, brokerage and capital-markets experience with data-driven market analysis. Fewer than 5% of the projects we review are approved for the platform.
- Analyse hundreds of Canadian and US submarkets
- Underwrite the developer, not just the building
- Stress-test rent, absorption and exit assumptions
- Negotiate allocation pricing directly with the builder
Regulation-backed investment options
Offerings are structured to meet Canadian and US securities requirements, with documented subscription agreements, segregated project entities and regular reporting so you always know what you own and how it is performing.
Ready to build the portfolio you deserve?
Create your account, verify once, and invest across fractional, pre-construction and 1% downpayment opportunities.