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Real Estate Returns. Institutional Security
Zero Landlord Stress.

Earn a targeted 9% Annual Net Yield with OwnEZ Fund V. We combine in-depth data-driven underwriting with asset-backed security to deliver passive income that actually makes a difference*
View Fund V Prospectus

$60M+

Assets Under Management***

450+

Loans Originated***

9%

Target Net Yield*

0

Historic Investor Losses.**

81%

Investment to Value (ITV)

Quarterly

Income Distributions

10

Investment to Value (ITV)

Third-Party Administration via Verivest

Legal Counsel by Weingold Law

Accredited Investors Only

Risk Management, not just Tech Stack.

  • We Don’t Guess. We Calculate: Powered by our proprietary data analysis algorithms, we use sophisticated data points to see value where traditional banks see risk.
  • Protecting Your Capital: Our underwriting protects investor principal by targeting “The Invisible Prime” borrower—creditworthy individuals with significant income and work history often overlooked by outdated FICO scores.
  • Risk Mitigation: 450+ loans originated across ten states with zero investor losses to date.
  • Security First: All investments are backed by first-lien residential real estate with a conservative 75% Investment-to-Value (ITV) ratio.
  • Vertical Integration: Unlike most competitors, OwnEZ originates and underwrites our own loans through our BuyHouseEZ platform. This ensures ongoing disciplined oversight from day one.

Our Proprietary Underwriting Stack

Traditional banks rely on outdated FICO scores that ignore millions of creditworthy Americans—ITIN holders, entrepreneurs, and gig workers all with cash but with invisible “credit history.” We see the full picture.

Comprehensive Data Analysis

We utilize advanced algorithms to analyse thousands of data points from rental history to cash flow patterns that predict repayment ability better than a simple credit score.

Alternative Data

By validating income through real-world cash flow rather than just tax returns, we identify responsible borrowers who are unbankable by traditional standards but statistically safer than average.

The Result

A portfolio with zero Investor losses to date, proving that our tech-driven empathy is also good business.

The Yield Gap

Visual Recommendation: A bar chart comparing OwnEZ’s ~9% yield against 4-5% Money Markets and 6-8% Public REITs. (The version from the deck is included below. It can be slightly modified for use on the web.)

The Yield Your Fixed Income Allocation Has Been Missing: Traditional fixed income delivers 4-5% in today’s rate environment. Public REITs add equity-like volatility. OwnEZ Fund V targets ~9% net annual yield through first-lien residential mortgage notes with zero investor losses across 450+ loans.

WHY INVESTORS CHOOSE OWNEZ

Security First

Every investment is backed by first-lien residential real estate with conservative underwriting standards.

Proven Stability

Zero investor losses to date across more than 450 originated loans.

Quarterly Cash Flow

Designed for income-focused accredited investors seeking consistent distributions.

Institutional Discipline

Structured governance, third-party administration, and legal oversight.

Secure Your Legacy. Grow Your Wealth

Request fund materials, performance information, or schedule a private discussion.

SOCIAL IMPACT

The Profit with Purpose angle.

The Mission

Investing in the American Dream.

Your portfolio can do more than grow your wealth—it can build a future for a deserving family.

Millions of hardworking families are stuck in a rental trap. They pay more in rent than a mortgage would cost, but they can’t get a loan because they don’t fit the traditional bank profile.

The OwnEZ Solution:

Path to Ownership

We provide the financing that turns renters into homeowners.

Community Stabilization

Homeowners care for their neighborhoods, support local businesses, and build generational wealth.

Ethical Returns

We don't use predatory rates. We offer fair, transparent mortgages that allow families to build equity from day one.

ABOUT US: Institutional Proficiency

Institutional Expertise. ProveQn Track Record

Our team combines Wall Street rigor with pioneering structures to protect investor capital

Efri Argaman

(Co-founder & CEO)

Driving the vision of democratized real estate credit.
Efri Argaman is the Founder and CEO of OwnEZ Inc., a data-driven financial technology company dedicated to democratizing homeownership through innovative lending solutions. With extensive executive leadership experience across public and private domestic and international companies, Efri combines analytical rigor with a “Profit with Purpose” philosophy to empower credit-invisible families. Based in Austin, Texas, he is a recognized voice in real estate and fintech, specializing in inclusive financial systems and alternative data underwriting. Efri holds a Bachelor of Arts in Economics from the University of Haifa.

Eric Gewirtzman

(Co-founder and Board Member)

Ensuring operational excellence with portfolio management

Dr. Ossif Tamir

(Managing Partner)

Bringing deep analytical rigor to portfolio management.

Ossif Tamir has over 20 years of experience managing direct investments, specializing in the needs of high-net-worth families and individuals, with a particular focus on capital preservation. Prior to founding OFM as the fund arm of OwnEZ Inc., he founded and headed OTH Global, an equity investment company specializing in direct investments in real estate and high-tech firms. Ossif holds a Ph.D. cum laude from the Universidad Autónoma de Barcelona, where he researched venture capital investments in high-technology entrepreneurial firms.

Chad Cormier

(MD Investor Relations)

Chad Cormier brings more than ten years of expertise working where law, capital markets, and investor relations converge. He has guided family offices and wealthy individuals on structure design, capital deployment, and adapting to evolving market conditions. Leveraging his experience as a securities lawyer and capital markets consultant, Chad focuses on helping investors access scalable private credit opportunities via OwnEZ that align with their long-term portfolio goals.

Our Philosophy

We believe the best investment is one that is safe, simple, and significant. By removing the middlemen and using data and technology to bridge the gap between investors and homeowners, we create value for everyone involved.

Designed for High-Net-Worth Investors

Secure Your Legacy. Grow Your Wealth.

The stock market is at all-time highs. Real estate prices are soaring. Where do you find yield without taking reckless risks?

The answer is Private Credit and Direct Lending. Join OwnEZ Fund V and stop trading your time for 5% returns. Start earning higher yields backed by real American homes.

This is more than an investment; it is an investment with goal of protecting your capital and a bridge for a family’s future.”

Personalized CTA: Schedule your investment conversation with Chad Cormier (817) 953-3383 Also link to Chad’s page.

Download our 2026 OwnEZ Fund V Deck: (PDF asset also accessible via QR Code): 

Register/Login (Agora access here)

Primary Office: 3232 McKinney Avenue, Suite 500, Dallas, Texas 75204.

Registered Office: 7600 Chevy Chase Drive Chase Park, Suite 300 Austin, Texas 78752

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Minimum Investment: $50,000.
Accredited Investors Only

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