AHP Fund Review

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Introduction AHP Fund 

If you do good, you will do well. That’s how socially-conscious investors think. Socially-minded investors want to maximize their returns by putting money in businesses that make the planet a better space for all. Although it is plausible to be a socially-conscious investor by buying stocks or ethically-inclined ETFs, a lot of investors prefer other options to publicly-traded firms. If you’re searching for a socially-conscious investment that may be in the property portion of your portfolio, putting money in AHP might be a perfect investment opportunity for you. American Homeowner Preservation is a firm that purchases distressed mortgage pools (groups) from homeowners who haven’t paid off loans. 

AHP buys the mortgages at a deep discount – so, if the borrower owes $100k on a mortgage, AHP can purchase the loan for about $60k. Instead of simply foreclosing these people, AHP is trying to change the terms of the loan, so that the loan continues to run. This renders the situation in a way that the borrower returns all of the loans on time. When the American Homeowner Protection is unable to assist the borrower take out a new loan that they can afford, AHP must foreclose the real estate asset and sell the home.

If the loan is up and running, the American Homeowner Protection will pool the mortgages together and sell them as re-performing loans. The homeowner will keep the residence, the new buyer will get a great loan, and the AHP investor will make a return. The company was founded in 2008 as a nonprofit in Ohio, and later in 2011 changed their crowdfunding methods and headquarters, which are now in Chicago. Also, they are now a for-profit organization. The company, besides being situated in the US, operates exclusively with US-located real estate.

Overall review


  • No fees for investing
  • Starting investor fees from 100 USD
  • As an investor, you get returns and principal prior to the company collecting any profits


  • There is no warrant that your project will hit the 12 percent mark for the return on investment on projects
  • Investments tie you for a 5-year period or more
  • There isn’t total bankruptcy protection

The platform
4.4 Stars

Investors may invest a minimum of a hundred dollars in the AHP fund. Seeing how the American Homeowner Protection is not a big business, the finances are not always available to investors. AHP is available to the majority of investors irrespective of income or asset status.

AHP Servicing provides a couple of different investments. As an investor, you buy into a fund the organization uses to purchase distressed mortgages for a discounted price. Then, the American Homeowner Preservation starts a negotiation procedure with the homeowners. This leads to four possible outcomes:

  • Loan Modification – Either a new payment price and schedule is negotiated, or the organization takes upon itself less than is owed by the homeowner to settle the loan in total. After a few months of payments, the loan moves to another lender
  • The person who owns the home refinances the mortgage and stays in the home
  • Deed-in-lieu – the person who owns the home accepts money assistance in order to hand over the real estate in question
  • Foreclosure – the fund starts a legal foreclosure procedure to make the homeowner act on one of the options, or in order to repossess the property.
  • AHP is suitable for professional investors.


  • AHP offers investing opportunities to those who reside in the US, but has a branch for international projects, for those outside of the States who are interested.

How to get started? 

The American Home Preservation fund is very user-friendly. It’s free to sign up and connecting your bank account to the platform takes less than 5 minutes of your time. The AHP’s approach to registering leaves us with a taste of an organization that is more socially conscious than just about profit.

Investing in AHP is not as investing in an asset like a stock. It’s crucial to comprehend how this investment operates. So, a person must invest his or her principal with the firm. For example – $12k.

In the first 2 years, the American Homeowner Protection will try a 10% return on its investments – preferred equity, in other words. So long so AHP is able to cover all of its bills, the next dollars will go to investors in the form of income. In this scenario, you can hope to earn $1,2k annually (10 percent of $12k) or $100 monthly for your investment.

After 5 years, AHP will plan to return your key investment ($12k) to you. Whatever income remains, AHP ‘s profit continues to be sustained. There are no direct fees for investors, but the way the various entities are structured, AHP (or its related entities) earns revenue from various fees associated with buying, selling, and servicing the mortgages or properties.

AHP lists the following as their primary sources of revenue:

  • Success fees for achieving resolutions;
  • Borrower fees (e.g. late charges, charges for checks returned for insufficient funds);
  • Lender fees (e.g. boarding, de-boarding, and other ancillary fees);
  • Reimbursements for certain approved costs and expenses.


  • The AHP is open to American investors and deals with private US-located real estate.

Risks and securities

There are some very important things about the company. Primarily, the investment is not fully liquid. The American Homeowner Protection has a liquidity norm called best effort liquidity. When you need your cash in advance of the five-year mark, AHP can make an attempt to buy you out, but it doesn’t offer any warrants. When you liquidate early, you may have a kind of penalty that changes your desired equity to 8-9 percent.

Also, AHP is not really a 5-year project. Investors can be able to get their cash back sooner or later than the planned window. While this is a legal investment, it is riskier than stock or bond investing. You alone can determine what investment is right for you. Up to 10% of preferred equity is an amazing benefit for investors, particularly those who may choose to utilize AHP to replace some of their financial assets in their overall investment portfolio.

With a low degree of liquidity and a short track record (AHP has been issuing funds to the public since 2013), it is difficult to give a verdict on this. I think AHP is a good investment choice for those looking for alternatives to conventional finance stocks. Sure, it’s definitely not ideal, and it brings a higher uncertainty than other investment forms. Nonetheless, the opportunity for up to 10% profit seems to make the higher risk worthwhile for the right investor.

AHP Servicing markets to investors under regulation A+, meaning that it’s available to both accredited and unaccredited investors. As mentioned earlier, non-accredited investors can’t invest more than 10% of their income and/or net worth (excluding their house).

Customer Service
4.5 Stars

The company representatives can be reached via telephone or email:

(866) AHP-TEAM and communications@ahpfund.com.

There is also a form you can fill in their official website with your information and inquiry, as well as a chat box where you can talk to agents.



AHP is a respected company that can bring you a healthy sum of profit, but it isn’t as socially responsible as it once was. There is a reason why it turned into a for-profit organization and that is evident from their way of work.

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