You don’t need to be a real estate expert to invest in apartments. In fact, you don’t even need to manage the property or deal with tenants. Through something called a multifamily syndication, you can become a fractional owner in a large apartment building, and let experienced operators do all the work.

Here’s how that benefits you, in plain English.

1. You Get Paid Regularly

As the property earns rental income, you get a cut of the profits, usually paid out monthly or quarterly. That’s called cash flow, and it’s what makes this a passive income investment.

The benefit: Money shows up in your account while you focus on your career, your family, or your next big idea.

2. You Profit When the Property Sells

These investments usually last 3 to 7 years. When the operator sells the property (ideally for more than they bought it), profits are split among the investors, including you.

The benefit: A big payout at the end, often larger than what you earned from the monthly cash flow.

3. The Mortgage Gets Paid Down (By the Tenants)

Every month, the mortgage is paid using the property’s rental income. That means the amount owed on the loan goes down, and your share of the equity goes up.

The benefit: You build ownership in a growing asset without putting in more money.

4. You Get Serious Tax Perks

Apartments depreciate on paper, even if they’re making money in real life. That depreciation gets passed to you in the form of paper losses on your taxes, thanks to something called a K-1.

The benefit: You might owe little or no taxes on the income you’re earning. For high-income professionals, this is huge.

5. You Might Get a Surprise Refinance Bonus

Sometimes, operators improve the property so much that they can refinance it and pull some equity out. When that happens, they often return part of your original investment early while you still stay in the deal.

The benefit: You get money back mid-way through the project, and you’re still entitled to your full share of the profits later.

6. It’s More Stable Than Stocks and More Reliable Than Bonds

Multifamily real estate has historically been far less volatile than the stock market and public REITs. It’s not directly tied to stock performance, which means it tends to hold steady even when the market swings wildly.

And here’s the kicker: over the last 23 years (as of 2023), multifamily real estate has outperformed bonds in all but two of those years.

The benefit: You’re investing in a real asset with real income, historically proven to be more stable than stocks and more profitable than bonds.

So, Why Do People Invest in Apartments?

Because they want their money working for them. Because they’re tired of betting everything on the stock market. Because they want access to stable, cash-producing assets but don’t have the time or desire to manage them.

At Growth Legacy Capital, we help you access high-quality apartment deals through syndications. You don’t have to be a real estate expert. We do the vetting, partner with experienced operators, and walk you through the entire process.

You just need to be ready to put your capital to work.