Question 1

What is Investline?

Accepted Answer

Investline is a real estate investment platform. It lets you own a share of a property in Iraq and the Kurdistan Region from $100 per share.

Question 2

How does Investline work?

Accepted Answer

Each property is held and managed by Investline. Your investment buys a proportional share in a property. That share entitles you to your part of the rent the property earns, and to your part of the proceeds when it is sold. This is a long-term investment in real property.

• We source and verify. We check every property for clear title and verified legal ownership, and we have it valued independently, before it appears on the platform.
• We publish everything. Before you commit any money, the listing shows the location, photographs, the independent valuation, the projected net rental yield, every fee, the expected holding period and the planned exit.
• You invest from $100. We hold your money until the project meets the conditions set out in its documents. If the property is not fully funded within the stated period, for any reason, the offering is cancelled and your money is returned.
• You earn, and you exit. Investline and its vetted partners manage the property and collect the rent. Net income, after tax, is credited to your account in proportion to your share. When the property is sold at the end of the project, the proceeds are shared in the same proportion.

Question 3

Who can invest?

Accepted Answer

Investline is open to Iraqi citizens and residents aged 18 and over who can complete our identity check (KYC).

Iraqi nationals living abroad can also invest, if they complete the same identity check.

Companies and other legal entities can invest through the owner of the company or a trusted representative. Our identity check asks for a personal photo verification at every investment, which keeps the process secure.

Question 4

What do I need to open an account, and how long does it take?

Accepted Answer

To open an account, you need an email address and a phone number.

To deposit money and start investing, you must complete our identity check (KYC). This requires a valid government-issued ID: a national ID card or a passport.

Verification usually takes up to one hour, and you must complete it before you can invest. We may ask for further documents where anti-money-laundering rules require them, and we may refuse or delay an account if we cannot complete these checks.

Question 5

What is the minimum investment?

Accepted Answer

The minimum investment is $100, one share.

Question 6

Is there a maximum?

Accepted Answer

Each project sets its own minimum, target and maximum number of shares, and these are shown on the listing. Within those limits, you can buy as many shares as you wish.

Question 7

How do I pay?

Accepted Answer

You can pay online with First Iraqi Bank (FIB) or FastPay. You can also pay in cash at an Investline branch.

Payment must come from an account in your own name. We do not accept payment from third parties.

Question 8

How do I start?

Accepted Answer

1. Sign up with your phone number and email address.
2. Verify your identity by uploading a valid ID. Approval usually takes up to one hour.
3. Browse the open properties, and read each one's documents in full, including the fees and the risks.
4. Choose your amount, from $100, and pay by FIB or FastPay.
5. Your ownership confirmation is issued to your account, where you can follow the property's income and performance.

Question 9

What exactly do I own?

Accepted Answer

You own a proportional share of a property held by Investline. You do not own the property itself, and no part of it is registered in your own name.

Each property is held through Investline, usually through a special purpose vehicle created for that property alone. Your share gives you the economic rights set out in the Project Agreement: your share of the net rental income, and your share of the proceeds when the property is sold. Legal title to the property is held by Investline, not by individual investors.

Question 10

Who manages the property day to day?

Accepted Answer

Investline, or a vetted local partner appointed for that property. They handle tenants, rent collection, maintenance and compliance, and they report to Investline.

Question 11

Who decides when a property is sold, and do I get a say?

Accepted Answer

Each property has a planned holding period and exit route. Both are published on the listing before you invest. The decision to sell within that plan is made in line with the Project Agreement for that property.

Some properties give investors a vote. Where a vote applies, 75% of investors must agree before the property is sold.

Question 12

How is the property valued, and how often?

Accepted Answer

Every property is valued independently before it is listed. Investline, together with its partners, consultants and experts, studies the market and the property for that time and that location, and sets the value on the basis of that research and clear criteria.

Any value shown in your dashboard between valuations is an estimate. It is not a price at which you can sell.

Question 13

What return can I expect?

Accepted Answer

Returns come from two sources: rental income, which is paid out as it is collected, and any increase in the property's value when it is sold.

Each listing publishes its own projected net yield, based on the independent valuation and on current market rents for that type of property in that location.

These are projections, not guarantees. Rent can fall. A property can sit empty. Costs can rise, and property values can go down as well as up. You may get back less than you invested, and you should not invest money you cannot afford to lose.

Question 14

How and when is rental income paid?

Accepted Answer

The appointed local manager collects the rent. Net income, after management fees, maintenance, service charges and any deduction required by law, is credited to your account in proportion to your share, on the schedule set out in that property's agreement.

Payments begin once the property is funded and earning rent. Where a property is under construction or has no tenant, there is no income, so there is no payment. Payments are made to your Investline wallet whenever there is income.

Question 15

What fees does Investline charge?

Accepted Answer

The projected yields shown on listings are after these fees.

• Investline fee (listing, management, administration, legal, marketing and platform): 4% of the share value for residential property and 7% for commercial property. It is paid on top of the share price when you buy, so your shares keep their full value.
• With a referral code from an Investline partner, 1% is taken off that fee and 1% is paid to the partner, so you pay 3% on residential property.
• Exit and sale fees, which cover government and legal taxes and charges.
• A transfer fee of 1% if you sell a share to another investor on the secondary market.
• Any bank or administrative charge applied to a refunded payment.

Question 16

Who pays for maintenance, service charges and empty periods?

Accepted Answer

These are costs of the property. They are paid from the property's income, up to 10% of that income, before anything is paid to investors. This is why listings show a projected net yield.

If costs in a period are higher than the rent collected, during a long empty period or a major repair, there may be no payment for that period.

Question 17

In which currency am I paid?

Accepted Answer

Your wallet, shares and rent are in US dollars. You pay in Iraqi dinars through FIB or FastPay at the day's Baghdad market rate, and cash withdrawals at a branch are paid in dollars or in dinars at that rate.

Question 18

Can I lose money?

Accepted Answer

Yes.

Property investment carries real risk. Rents can fall or stop, tenants can fail to pay, a property can lose value, and costs can rise. Changes in regulation, market conditions and events outside anyone's control can all affect the outcome of a project. You may get back less than you invested, and in a bad case you could lose the full amount.

Investline reduces risk through independent valuation, title verification and professional management. It cannot remove risk, and it does not claim to. Every investment decision is yours.

Question 19

What happens if a property does not reach its funding target?

Accepted Answer

Each property has a funding target and a period in which that target must be reached. If it is not reached in that period, the offering may be cancelled and the money you committed is returned, less any bank or administrative fees set out in the project documents.

Your money is released to the property only once it is fully funded and the conditions set out in the project documents have been met.

Question 20

Can I sell my investment whenever I want?

Accepted Answer

Investline has a secondary market where you can list your shares for sale. Investline is not a stock exchange or a trading venue. There is no open market in these shares, and we cannot promise that a buyer will be available, or at what price. You cannot usually withdraw your capital early, unless the Project Agreement clearly allows it.

Question 21

Is my personal data safe?

Accepted Answer

Yes.

We collect and use your personal data only as described in our Privacy Policy. This includes the identity information the law requires us to collect in order to verify investors.

Own a share of real property in Iraq,
from $100.

From ID check to first payout in four steps

Verify your identity

Pick a property

Buy shares

Collect returns

Step inside Investline

Open for investment

Empire Square ES2

Questions investors ask first

Getting started

What you own

Returns, fees and tax

Risk

Selling and exit

Your data

Sign up to start investing

Own a share of real property in Iraq,from $100.