// Three Structures · One Platform
How B34Z deals are structured.
Each category has a distribution system adapted to specific needs. Pick the one that fits yours.
// Category A · Exit
Term-certain. Principal back at exit.
Category A is a fixed-term debt instrument secured against the property. You deposit capital, earn interest over a defined term (1–5 years), and receive principal plus accrued interest as a lump sum at maturity. No monthly management. No surprises.
Your capital enters as senior debt on the deal
Interest accrues at a fixed rate for the agreed term
At term end: principal + interest returned in full
Rate increases with term length — longer commitment, higher return
Rate floor and ceiling are set per-listing based on NOI coverage (minimum 1.2× required)
// Exact rate is set per listing. Platform guardrails require minimum NOI coverage of 1.2× Cat B obligations before any Cat A rate is approved.
// Term
Typical Y3 Range · Illustrative
10–12%
Illustrative interest
$33,000
Total payout
$133,000
// ILLUSTRATIVE ONLY · Rates are set per listing · Past performance not indicative of future results
// Category B · Perpetual
Monthly income. Until you sell.
Category B is a perpetual income contract backed by the property's monthly cash flow. You receive a fixed percentage of your principal every month — forever, until the property is sold or you transfer your contract to another investor.
There is no maturity date. Your principal is returned when the property eventually sells.
Your capital enters as a senior obligation on the property's NOI
A fixed annual rate (typically 5–8%) is paid monthly — 1/12 per month
Platform requires NOI ≥ Cat B monthly obligation × 1.2 before rate approval
Contract is transferable — sell your slot to another B34Z investor
Principal returned at property sale
Monthly income
$250
Annual income
$3,000
// 12-month view
Jan
+250
Feb
+250
Mar
+250
Apr
+250
May
+250
Jun
+250
Jul
+250
Aug
+250
Sep
+250
Oct
+250
Nov
+250
Dec
+250
// ILLUSTRATIVE ONLY · Rate shown at 6% · Actual rate set per listing · Past performance not indicative of future results
// Category C · Control
Not just an investor. A partner.
Category C is an equity participation structure. You hold a proportional stake in the deal's cash flow, appreciation, and governance. Returns are not capped — they move with the asset.
Category C investors sit senior to nothing except operating obligations, which means higher risk and higher potential upside than A or B.
// Equity upside · C vs A/B
// EQUITY UPSIDE · ILLUSTRATIVE · Y0 → Y5
// Structure details
// Side-by-side comparison
| Category A | Category B | Category C | |
|---|---|---|---|
| Structure | Term debt | Perpetual income | Equity |
| Return Type | Lump sum exit | Monthly payments | Pro-rata upside |
| Return Profile | Fixed (per term) | Fixed (per listing) | Variable |
| Principal Return | At maturity | At property sale | At property sale |
| Liquidity | Illiquid (term) | Transferable | By agreement |
| Governance | None | None | Yes — voting + board |
| Risk Profile | Senior / lower | Senior / lower | Junior / higher |
| Minimum | Per listing | Per listing | $50,000 · invitation |
Every listing on B34Z publishes its NOI, coverage ratios, and financial structure before capital is accepted. No black boxes.