FREQUENTLY ASKED QUESTIONS

We want to assist you!
PROPERTIES
Do you have properties in other places like Miami, Orlando, Houston, etc.?

At Spider, we focus on providing real estate investment opportunities in high-performing markets. To do this, we process data and identify cities where:
  -  Property values are below the national average.
  -  Migration patterns are positive.
  -  The rental-to-investment ratio is efficient.
  -  Investment amortization occurs within approximately 10 years.
  -  Properties are debt-free, reducing price fluctuation risk due to interest rate changes.

The most profitable cities in the United States may not necessarily align with those attractive for vacationing or living.

PROPERTIES
Who handles the property management?

Us, of course! We do not use third parties for property management. Our structure offers you a 360-degree experience in your investment process, including property management, and legal and accounting services. In our property management area section of the app, you can view all your transactions and documents 24/7. We only charge our services when there is rental income.

Properties
In what conditions do I receive the property?

Properties are delivered leased and therefore in optimal habitability conditions. In the pre-purchase process, a report is generated by a certified city inspector, validating the infrastructure, plumbing, and electrical conditions of all the units we commercialize. During the first 12 months, you have a warranty for any repairs that may come up on your property.

Properties
What if a tenant does not pay the rent?

While we conduct a rigorous tenant selection process, including verifying their income, family composition, and credit history, rental arrears can occur. In such cases, a sequence of actions is initiated, including:

  -  Collection messages via phone and email.
  -  Property and tenant visits to notify them of the arrears.

If more than 7 days pass without payment and no agreement is reached, the eviction process is initiated. The duration of the eviction process may vary depending on the city but typically takes around 60 days. The eviction process will be interrupted if the rent is paid.A late fee is generated for delayed payments.

Properties
When can I sell the property?

It's your property! You can sell it whenever you wish, understanding that the market will determine its value. We always suggest a minimum holding period of 4 to 5 years to maximize potential appreciation.

Properties
Can I live on the property?

When you purchase a property, you can use it as you please. However, if you want to reside in the United States, you must be aware of current immigration restrictions. Any residency process should be handled by a specialist.

properties
Can I buy a property in the United States as a foreigner?

Yes. It is not necessary to travel or have a visa to do so. However, you need to have a valid identification document and the funds available and banked to make the investment.

Properties
When and where do I receive profits?

Rental income is collected monthly and can be viewed in your wallet on Spider Connect, allowing you to use it and transfer it to any bank account as you wish.

FIXED INCOME
What does mortgage investment (Fixed Income) involve?

Fixed income is the best option to invest your capital if you're looking for a short investment cycle that's liquid and safe. How it works:
 -  Your money is used solely to provide residential mortgages in the United   States, and thus the investment is collateralized by the properties purchased with the use of proceeds that were invested in the mortgage.
  -  Property valuation is carried out by a certified professional.
  -  Generally, the loan value is around 70% of the property's appraisal. This is an        advantage because if the property's value decreases, it doesn't affect your        capital
  -  You earn fixed and quarterly interest.
  -  The investment cycle is 1 year.

FIXED INCOME
What is the legal backing for this investment?

You have an investment contract specifying the terms of fund usage, interest payments, term, and capital return. Until mortgage loans are granted, your money remains in an escrow account regulated for contract purposes.

FIXED INCOME
When and Where do I receive profits?

Profitability is fixed and paid quarterly. You can view it in your Spider Connect wallet.

FIXED INCOME
Can I withdraw my capital before a year?

Investment contracts are for 12 months. You can withdraw your interest quarterly, but the total capital can be withdrawn once the investment cycle ends according to the contract terms.

FIXED INCOME
Do I have to pay taxes or administrative fees?

As a foreign investor, you have no tax obligations or administrative fees, so the annual return is net.

FIXED INCOME
Can I invest as a foreigner?

Yes. Travel or a visa is not necessary. However, you need a valid identification document and the available and banked funds to make the investment.

INVESTMENT PROCESS
Do I have to travel to the United States to invest?

No, traveling or having a visa is not necessary. You need a valid identification document and available and banked funds to make the investment.

INVESTMENT PROCESS
What is the legal backing for my investment?

If you invest in properties, you have the property title and complete control of the asset you acquired. Even if you wish to manage it with another company other than us, you can.
In fractional investments, you own a percentage of the LLC owning the property portfolio you invested in and also have a management contract detailing rent distribution based on shareholders and profits upon sale. Regarding mortgages, you have an investment contract specifying the terms of fund usage, interest payments, term, and capital return.

INVESTMENT PROCESS
How do I transfer money for investment?

If you have an account in the United States, you can transfer funds or send a check. If you live abroad and do not have an account in the United States, you can do so through any accredited bank or financial institution that allows international transfers.

INVESTMENT PROCESS
To whom do I transfer the investment funds?

Transactions are generally conducted through escrow accounts to ensure the operation's security. These accounts safeguard your money to ensure it is used as contractually planned for the respective operation.

INVESTMENT PROCESS
In which currencies can I invest?

Spider is an American company, so investments are made in the United States and in US dollars. You can invest through bank transfer, credit card, debit card, check, and cryptocurrencies.

INVESTMENT PROCESS
Who backs Spider?

In addition to having over 10 years of experience in the market, one of Spider's fundamental principles is to offer security. Therefore, property investors own the product in which they invest, as Spider is not an investment fund. In the case of fixed income, the broker we work with provides the highest standards of guarantees and support required for this type of investment. Moreover, you can view the mortgages within our app, in the portfolio section.

Do you have properties in other places like Miami, Orlando, Houston, etc.?

At Spider, we focus on providing real estate investment opportunities in high-performing markets. To do this, we process data and identify cities where:
    - Property values are below the national average.
    - Migration patterns are positive.
    - The rental-to-investment ratio is efficient.
    - Investment amortization occurs within approximately 10 years.
    - Properties are debt-free, reducing price fluctuation risk due to interest rate changes.
The most profitable cities in the United States may not necessarily align with those attractive for vacationing or living.

Who handles the property management?

Us, of course! We do not use third parties for property management. Our structure offers you a 360-degree experience in your investment process, including property management, and legal and accounting services. In our property management area section of the app, you can view all your transactions and documents 24/7. We only charge our services when there is rental income.

In what conditions do I receive the property?

Properties are delivered leased and therefore in optimal habitability conditions. In the pre-purchase process, a report is generated by a certified city inspector, validating the infrastructure, plumbing, and electrical conditions of all the units we commercialize. During the first 12 months, you have a warranty for any repairs that may come up in your property.

What if a tenant does not pay the rent?

While we conduct a rigorous tenant selection process, including verifying their income, family composition, and credit history, rental arrears can occur. In such cases, a sequence of actions is initiated, including:
    - Collection messages via phone and email.
    - Property and tenant visits to notify them of the arrears.
    - If more than 7 days pass without payment and no agreement is reached, the eviction process is initiated. The duration of the eviction process may vary depending on the city but typically takes around 60 days. The eviction process will be interrupted if the rent is paid.
    - A late fee is generated for delayed payments.

When can I sell the property?

It's your property! You can sell it whenever you wish, understanding that the market will determine its value. We always suggest a minimum holding period of 4 to 5 years to maximize potential appreciation.

Can I live in the property?

When you purchase a property, you can use it as you please. However, if you want to reside in the United States, you must be aware of current immigration restrictions. Any residency process should be handled through a specialist.

Can I buy a property in the United States as a foreigner?

Yes. It is not necessary to travel or have a visa to do so. However, you need to have a valid identification document and the funds available and they must be wired to a US account to make the investment.

When and where do I receive profits?

Rental income is collected monthly and can be viewed in your wallet on Spider Connect, allowing you to use it and transfer them to any bank account you wish.

What does mortgage investment (Fixed Income) involve?

Fixed income is the best option to invest your capital if you're looking for a short investment cycle that's liquid and safe.
How it works:
    - Your money is used solely to provide residential mortgages in the United States, and thus the investment is collateralized by the properties purchased with the use of proceeds that were invested in the mortgage.
    - Property valuation is carried out by a certified professional.
    - Generally, the loan value is around 70% of the property's appraisal. This is an advantage because if the property's value decreases, it doesn't affect your capital.
    - You earn fixed and quarterly interest.
    - The investment cycle is 1 year.

What is the legal backing for this investment?

You have an investment contract specifying the terms of fund usage, interest payments, term, and capital return. Until mortgage loans are granted, your money remains in an escrow account regulated for contract purposes.

When and Where do I receive profits?

Profitability is fixed and paid quarterly. You can view it in your Spider Connect wallet.

Can I withdraw my capital before a year?

Investment contracts are for 12 months. You can withdraw your interest quarterly, but the total capital can be withdrawn once the investment cycle ends according to the contract terms.

Do I have to pay taxes or administrative fees?

As a foreign investor, you have no tax obligations or administrative fees in the United States, so the annual return is net.

Can I invest as a foreigner?

Yes. Travel or a visa is not necessary. However, you need a valid identification document and the available and they must be wired to a US account funds to make the investment.

Do I have to travel to the United States to invest?

No, traveling or having a visa is not necessary. You need a valid identification document and available and banked funds to make the investment.

What is the legal process for my investment?

If you invest in properties, you have the property title and complete control of the asset you acquired. Even if you wish to manage it with another company other than us, you can.
In fractional investments, you own a percentage of the LLC owning the property portfolio you invested in and also have a management contract detailing rent distribution based on shareholders and profits upon sale. Regarding mortgages, you have an investment contract specifying the terms of fund usage, interest payments, term, and capital return.

How do I transfer money for investment?

If you have an account in the United States, you can transfer funds or send a check. If you live abroad and do not have an account in the United States, you can do so through any accredited bank or financial institution that allows international transfers.

To whom do I transfer the investment funds?

Transactions are generally conducted through escrow accounts to ensure the operation's security. These accounts safeguard your money to ensure it is used as contractually planned for the respective operation.

In which currencies can I invest?

Spider is an American company, so investments are made in the United States and in US dollars. You can invest through bank transfer, credit card, debit card, check, and cryptocurrencies.

Who backs Spider?

In addition to having over 10 years of experience in the market, one of Spider's fundamental principles is to offer security. Therefore, property investors own the product in which they invest, as Spider is not an investment fund. In the case of fixed income, the broker we work with provides the highest standards of guarantees and support required for this type of investment. Moreover, you can view the mortgages within our app, in the portfolio section.

Have more questions?
CONTACT US