Important disclosures

Not an offer

This website is for informational purposes only. It is not an offer to sell, or a solicitation of an offer to buy, any security, and it is not a recommendation to buy or sell any security or to follow any investment strategy.

Any offering is made only through formal offering documents, which contain important information about the investment, including its terms, fees, risks and conflicts of interest. Read them in full before investing. If anything on this site differs from the offering documents, the offering documents control.

Rule 506(c) and accredited investors

Any offering by Zaman Capital Group is intended to be made in reliance on Rule 506(c) of Regulation D under the Securities Act of 1933. Rule 506(c) allows an offering to be advertised publicly. Only accredited investors may invest, and the issuer must take reasonable steps to verify that each investor is accredited, for example by reviewing tax or financial documents or by obtaining a written confirmation from a registered broker-dealer, a registered investment adviser, a licensed attorney or a certified public accountant.

The securities offered are not registered with the Securities and Exchange Commission (SEC) or any state securities regulator. Neither the SEC nor any state regulator has approved or disapproved of any offering or passed on the accuracy or adequacy of this website. Our accredited investor guide explains who qualifies.

Forward-looking statements

Some statements on this site are forward-looking. They describe plans, strategies, expectations, targets or beliefs about the future, and often use words such as “target”, “projected”, “expected”, “anticipate”, “plan”, “potential” or “seek”.

Forward-looking statements are based on our current assumptions and the information available to us today. They are subject to risks and uncertainties, many of which are beyond our control, and actual results may differ materially from them. We undertake no obligation to update any forward-looking statement.

Projections and targets are not guarantees

Figures on this site that describe future performance are hypothetical. These include the projected internal rate of return (IRR) and cash-on-cash return targets shown for individual properties, the expected return range shown for our equity partnership, and targets for occupancy and holding periods.

They are estimates prepared by our team using assumptions about rents, occupancy, operating expenses, financing, capital improvements, market conditions and the timing and price of a future sale or refinancing, any of which may prove wrong. They are not guarantees, promises or predictions of what any investment will earn, they do not reflect any actual investor's results, and they may not reflect all of the fees, expenses and taxes an investor would bear. Actual returns may be lower than projected, and you could lose some or all of your investment.

Any calculators or illustrative examples on this site are educational. They use numbers you enter or round illustrative figures, and they are not projections for any offering.

Past performance

Past performance is not indicative of future results. Information about properties already acquired, including figures such as portfolio value, occupancy and equity growth since purchase, describes particular properties at particular times. It is based on information available to the firm, has not necessarily been audited or independently verified, and should not be taken as an indication of how any other property or offering will perform.

Properties held outside the firm

Catonsville, MD

Held by the firm's principals outside Zaman Capital Group LLC.

Ocean City, MD

Held by the firm's principals outside Zaman Capital Group LLC.

These properties appear on this site to illustrate the principals' experience with residential real estate, and they are identified as held outside the firm wherever they appear. Their results are not results of Zaman Capital Group LLC or of any offering it sponsors, and an investment in an offering would not give you an interest in them unless that offering's documents say otherwise.

Key risks

Investing in private real estate offerings is speculative and involves a high degree of risk. It is suitable only for investors who can afford to lose their entire investment and who do not need access to the money they invest. The risks include, among others:

Loss of principal

You could lose some or all of the money you invest. Returns are not guaranteed, and the value of an investment can fall.

Illiquidity

Interests in private offerings are not listed on any exchange, there is no public market for them, and they are subject to legal and contractual restrictions on transfer. Expect to hold an investment for its full holding period, which may last many years and may be longer than planned.

Leverage

Properties may be financed partly with debt. Borrowing magnifies losses as well as gains, and higher interest rates, difficulty refinancing or a breach of loan terms could reduce returns or lead to the loss of a property.

Market risk

Property values and rents depend on local and national economic conditions, employment, interest rates, the supply of competing housing, and changes in law, including rent regulation and housing programs.

Operating risk

Results depend on carrying out each business plan. Renovations may cost more or take longer than expected, planned occupancy and rent levels may not be reached, and costs such as insurance, taxes, repairs and management may rise. Properties may also suffer damage, environmental problems or uninsured losses.

No assurance of distributions

Distributions depend on each property's cash flow and on the manager's decisions. They may be reduced, delayed, suspended or not made at all, and any that are made may include a return of your own capital.

Conflicts of interest

The sponsor and its principals may have interests that differ from investors', including fees they may receive, other properties they own or manage (including the properties held outside Zaman Capital Group LLC) and how they divide their time. Read the conflicts-of-interest disclosures in each offering's documents.

Reliance on the sponsor

Investors in a private offering generally have little or no control over management decisions and depend on the experience and judgment of the sponsor and its principals.

Limited history

The firm's track record as a sponsor of investments is limited, so there is less history on which to judge it.

This list is not complete. Read the risk factors in each offering's documents in full before investing.

Tax consequences vary

Statements on this site about tax benefits, such as depreciation, deductions or losses passed through to investors on Schedule K-1, are general. Whether you can use them, and the tax consequences of any investment, depend on your own circumstances and on tax laws that may change. Tax benefits are not guaranteed.

Investing through a retirement account, such as a self-directed IRA, involves its own rules, and whether a particular offering is eligible depends on how it is structured. Interests in an LLC taxed as a partnership generally cannot be acquired in a 1031 exchange. Ask your tax adviser.

Third-party information

Some information on this site, such as market or economic data, may come from third-party sources we believe to be reliable. We have not independently verified it and do not guarantee its accuracy or completeness.

Consult your own advisers

Nothing on this site is investment, legal, tax or accounting advice. Before investing, ask your own financial, legal and tax advisers whether an investment is suitable for you, and read the offering documents in full.

For questions about these disclosures, email partners@zamancapital.com or call 410-946-6028.