Letter From The CEO

Letter From The CEO

Roots Family,

Earlier this year, we wrote to you about the proposed legislation aimed at limiting large institutional ownership of single-family homes. Since then, more details about the bill have been released, and we want to provide an update on what we’re seeing.

The most important takeaway remains the same: as of now, nothing has changed for Roots or your investments.

In fact, the additional clarity around the proposed legislation reinforces something we’ve believed in from the beginning the Roots model aligns with the spirit of expanding access to homeownership rather than restricting it. Roots was created to help build a community where anyone can participate and the proposed bill is right in line with that thinking.

The proposed bill includes several “excepted purchase” categories that allow home acquisitions when they support housing supply, rental availability, or pathways to homeownership. After reviewing the latest details, many of these categories closely match how Roots already operates.

For example, the legislation allows:

Purchases of newly constructed homes or homes acquired directly from builders

Build-to-rent programs that create rental housing in communities with both renters and homeowners

Renovation programs that restore distressed housing

Programs designed to help renters move toward homeownership

These are core parts of the Roots model today.

A large portion of the homes in the Roots portfolio are purchased directly from builders, helping expand housing supply. Many are part of mixed communities with both homeowners and renters, and occasionally we acquire homes that require meaningful renovation and rehabilitation.

Most importantly, Roots was built around the idea that renting should be a stepping stone toward ownership, not a permanent destination.

Through Wealth Building Rewards, renters across the country now have access to tools designed to create real upward mobility, including:

• Opt-in rent reporting that helps build credit

• Credit monitoring and coaching tools

• Financial education tied to real outcomes

• Investable Rewards™ earned by taking positive financial actions

• Opportunities to explore home purchases within the Roots network

These programs are designed to help renters strengthen their financial position so they can eventually buy a home—either within the Roots portfolio or elsewhere.

The conversation happening nationally right now is important. Many people are asking who should or shouldn’t own homes. But the bigger opportunity is asking a different question:

How do we help the people living in those homes build wealth and move toward ownership themselves?

That’s exactly the problem Roots was created to solve.

Since launching in 2021, the Roots community has delivered on its target 12–15% annual returns while expanding access to real estate investing and wealth-building tools for everyday people, with zero institutional capital involved.

With Roots, anyone can invest in real estate starting with as little as $100, and renters can begin building financial momentum while they live in the homes our community helps provide.

In many ways, the current policy conversation is catching up to something this community has already been proving:

When renters and investors grow together, everyone wins.

If you feel inspired to join the conversation, we encourage you to share the story with others in your network.

Here’s one example you could use:

“Everyone deserves a seat at the table. @investwithroots builds wealth for both investors and renters. Who doesn’t love a win-win!”

Bonus points if you include your referral link.

We’re incredibly grateful to have you as part of this community. Everything we’re building is possible because of you, and together we’re continuing to prove that expanding access to housing and wealth creation can, and should, be a win-win.

With gratitude,


Daniel Dorfman

As of January 10th, 2026

Roots Investment Community Fund

$102,758,398

Net Asset Value

77.81%

7/1/21 - 01/10/26

Total Return

12.01%

01/10/25 - 01/10/26

Last 12 Months Return

17.29%

7/1/21 - 01/10/26

Average Annual Return

$998,328

Distributions Last Quarter

$6.3M+

Invested by Renters

90%

Occupancy Rate

12-15%

Target Annual Returns

As of January 10th, 2026

Roots Investment Community Fund

$102,758,398

Net Asset Value

77.81%

7/1/21 - 01/10/26

Total Return

12.01%

01/10/25 - 01/10/26

Last 12 Months Return

17.29%

7/1/21 - 01/10/26

Average Annual Return

$998,328

Distributions Last Quarter

$6.3M+

Invested by Renters

90%

Occupancy Rate

12-15%

Target Annual Returns

As of January 10th, 2026

Roots Investment Community Fund

$102,758,398

Net Asset Value

77.81%

7/1/21 - 01/10/26

Total Return

12.01%

01/10/25 - 01/10/26

Last 12 Months Return

17.29%

7/1/21 - 01/10/26

Average Annual Return

$998,328

Distributions Last Quarter

$6.3M+

Invested by Renters

90%

Occupancy Rate

12-15%

Target Annual Returns

Anyone Can Invest With Roots

You don't have to be super rich to invest in real estate. With Roots, you can invest in real estate while having a bigger impact on your wallet and the community.

Start With $100

Non-accredited and accredited investors can get started with only $100.

Quarterly Liquidity

Roots offers investors liquidity every quarter, not common for private real estate investments.

Low Fees

Only a $5 transaction fee to get started and no penalty to cash out after the first year.

Anyone Can Invest With Roots

You don't have to be super rich to invest in real estate. With Roots, you can invest in real estate while having a bigger impact on your wallet and the community.

Start With $100

Non-accredited and accredited investors can get started with only $100.

Quarterly Liquidity

Roots offers investors liquidity every quarter, not common for private real estate investments.

Low Fees

Only a $5 transaction fee to get started and no penalty to cash out after the first year.

Anyone Can Invest With Roots

You don't have to be super rich to invest in real estate. With Roots, you can invest in real estate while having a bigger impact on your wallet and the community.

Start With $100

Non-accredited and accredited investors can get started with only $100.

Quarterly Liquidity

Roots offers investors liquidity every quarter, not common for private real estate investments.

Low Fees

Only a $5 transaction fee to get started and no penalty to cash out after the first year.

How It Works

A Win-Win Ecosystem

Imagine investing in real estate where the renters want it to succeed as much as you do.

You Invest for as little as $100

Everything starts when you invest. Your funds go directly into the Roots REIT, which pools capital from all investors to purchase income-generating residential properties.

Roots does the work

You and the renters build wealth together

Invest with Roots

How It Works

A Win-Win Ecosystem

Imagine investing in real estate where the renters want it to succeed as much as you do.

You Invest for as little as $100

Everything starts when you invest. Your funds go directly into the Roots REIT, which pools capital from all investors to purchase income-generating residential properties.

Roots does the work

You and the renters build wealth together

Invest with Roots

How It Works

A Win-Win Ecosystem

Imagine investing in real estate where the renters want it to succeed as much as you do.

You Invest for as little as $100

Everything starts when you invest. Your funds go directly into the Roots REIT, which pools capital from all investors to purchase income-generating residential properties.

Roots does the work

You and the renters build wealth together

Invest with Roots

Roots Explained

Whether you invest $100 or $100,000 every Roots investor is treated the same. And that goes for the renters too. Get started today with only $100 and you can increase your passive income, save for retirement, and grow your wealth. All while helping the renters grow theirs.

Roots Explained

Whether you invest $100 or $100,000 every Roots investor is treated the same. And that goes for the renters too. Get started today with only $100 and you can increase your passive income, save for retirement, and grow your wealth. All while helping the renters grow theirs.

Roots Explained

Whether you invest $100 or $100,000 every Roots investor is treated the same. And that goes for the renters too. Get started today with only $100 and you can increase your passive income, save for retirement, and grow your wealth. All while helping the renters grow theirs.

Testimonials

Why The Community Invests with Confidence

24,200+ Investors

4.5/5

Testimonials

Why The Community Invests with Confidence

24,200+ Investors

4.5/5

Testimonials

Why The Community Invests with Confidence

24,200+ Investors

4.5/5

FAQs

Frequently Asked Questions

How long am I committed to the investment?

How is the cost of each unit determined?

How does the unit price affect my returns?

How do the quarterly distributions work?

Do I have the option to make a recurring investment each month?

Is Roots a REIT?

What markets are Roots properties in?

Liquidity and Fees

FAQs

Frequently Asked Questions

How long am I committed to the investment?

How is the cost of each unit determined?

How does the unit price affect my returns?

How do the quarterly distributions work?

Do I have the option to make a recurring investment each month?

Is Roots a REIT?

What markets are Roots properties in?

Liquidity and Fees

FAQs

Frequently Asked Questions

How long am I committed to the investment?

How is the cost of each unit determined?

How does the unit price affect my returns?

How do the quarterly distributions work?

Do I have the option to make a recurring investment each month?

Is Roots a REIT?

What markets are Roots properties in?

Liquidity and Fees

Imagine investing in real estate where the renters are your partners. Not tenants.

Roots Renters

Less Vacancy

Roots renters stay longer because they want to invest in real estate while they rent.

Lower Turn Costs

Renters are incentivized to take care of the property through the "Live In It Like You Own It ®” program.

Wealth Creation

Renters grow wealth to build a better life.

Imagine investing in real estate where the renters are your partners. Not tenants.

Less Vacancy

Roots renters stay longer because they want to invest in real estate while they rent.

Lower Turn Costs

Renters are incentivized to take care of the property through the "Live In It Like You Own It ®” program.

Wealth Creation

Renters grow wealth to build a better life.

Imagine investing in real estate where the renters are your partners. Not tenants.

Roots Renters

Less Vacancy

Roots renters stay longer because they want to invest in real estate while they rent.

Lower Turn Costs

Renters are incentivized to take care of the property through the "Live In It Like You Own It ®” program.

Wealth Creation

Renters grow wealth to build a better life.

$90M+

Total invested

It took us years to build Roots, but you can invest in 5 minutes.

$6.3M+

Saved and invested by Roots renters

Through the Live in it Like You Own It® program

12-15%

Target annual returns

12.01% trailing 12 months return (01/10/25 - 01/10/26) | 17.29% average annual return since inception (7/1/21)

Start investing today with as little as $100

And grow from there

$90M+

Total invested

It took us years to build Roots, but you can invest in 5 minutes.

$6.3M+

Saved and invested by Roots renters

Through the Live in it Like You Own It® program

12-15%

Target annual returns

12.01% trailing 12 months return (01/10/25 - 01/10/26) | 17.29% average annual return since inception (7/1/21)

Start investing today with as little as $100

And grow from there

$90M+

Total invested

It took us years to build Roots, but you can invest in 5 minutes.

$6.3M+

Saved and invested by Roots renters

Through the Live in it Like You Own It® program

12-15%

Target annual returns

12.01% trailing 12 months return (01/10/25 - 01/10/26) | 17.29% average annual return since inception (7/1/21)

Start investing today with as little as $100

And grow from there

Still have questions? Meet with a Roots partner on a live webinar!

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Still have questions? Meet with a Roots partner on a live webinar!

Pattan-Image

Still have questions? Meet with a Roots partner on a live webinar!

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