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Frequently Asked Questions


Get to Know Niyya

What's Niyya Equity Group's story?

After investing in stocks, precious metals, and real estate for years, Omar realized that real estate was one of the only asset classes that didn't have have a good way for faith based investors to invest without loans. This was especially true for large commercial real estate that usually cost millions of dollars. This was unfortunate because commercial real estate is where many of the wealthiest families created their wealth.


Prior to launching Niyya, Omar spoke with dozens of individuals who expressed the same problem: they wanted to invest in large commercial real estate but didn't have the cash to do it alone, and didn't want to compromise their beliefs by using loans. There was a desperate need for a community pooled investing. This is where Niyya Equity Group comes in. 


In September of 2013, President Obama passed Title II of the JOBS Act which made it possible for companies to raise money from accredited investors to fund businesses and real estate acquisitions. Niyya Equity Group was formed to pool capital from many investors that share the same goals as Niyya - invest without loans or interest. Niyya finds the deal, raises capital, manages the deal, then pays dividends to investors. 


How is Niyya different than other real estate investing groups?

While there are many great real estate investment groups, most are not structured to own assets without using any interest bearing debt at all. After researching others that claim not to use leverage, we found that that many were just using creative financial engineering and technicalities to say that. Niyya promises to keep it simple. We buy properties all cash, use cash to do any renovations, and pay profits to our investors. 

Have you had any exits?

While Niyya hasn't sold any assets yet, Niyya's leadership team has collectively bought and sold hundreds of properties.

Who is on your team and what are their roles?

You can learn more about the Niyya team here. 

Can I contact you to ask questions or learn more?

Of course. Please contact us here and feel free to schedule a call with someone from the Niyya team. 

Our Deals

Where do you invest?

We are based in Arizona and invest in Arizona submarkets that are experiencing high population and job growth. Arizona is one of the fastest growing states which results in a growing demand for apartments. 


Since we live in Arizona, we are in the trenches every day looking for the best deals for our investors, and are on-site making sure our projects are running smoothly. We have strong local relationships that we utilize for deal sourcing, construction, and asset management

What do investor returns look like?

Returns will vary on a deal by deal basis. Our deals are typically cash flowing from the day they are purchased, with a value-add opportunity that allows for revenues to be increased. Investors receive monthly or quarterly cash distributions during the ownership period, and a portion of the appreciation, if any, at the time of sale. 

Do you use any debt?

We do not use any debt whatsoever. All acquisitions and renovations are paid for in cash. As the General Partner, we contribute a portion of the funds needed and raise the remaining majority from investors (the Limited Partners). Our business plans for each deal do not include a refinancing component and capital is returned to investors at the time of sale. 

How long do you hold the properties?

The holding period for each deal will vary but they are typically 3-5 years. This period will give us time to execute the business plan, which often includes renovations, leasing, and stabilizing the property before it can be sold.

Will there be capital calls?

A capital call is when a sponsor has to go back to the investors to ask for more money. This can occur due to unexpected capital expenditures, or due to changes in the interest rate market which have caused some multifamily investors to need to bring new money to the table to refinance their short-term or variable interest rate financing. 


We have never done a capital call and raise extra funds from the beginning just in case there are unexpected issues. We also complete thorough inspections before acquiring properties so we can accurately estimate how much money is needed. Finally, we do not use short-term, or bridge debt financing which often forces sponsors to do capital calls due to changing interest rates. 

Will you be refinancing the properties?

No, we will not be refinancing any deals. 

What happens if you can't sell the property in 3-5 years?

All of our deals are cash flowing properties that quickly begin distributing cash flows to investors soon after acquisition. If they can't be sold for the anticipated sale price in 3-5 years they will continue distributing cash to investors until market conditions improve and the property can be sold. 

Who Can Invest?

Can anyone invest in your deals?

We work with both accredited and non-accredited investors.

Do you have to be Muslim to invest?

Of course not! Being Shariah compliant or investing following Islamic principles only means we don't use debt, and we do business with an emphasis on ethical and social responsibility. This means that in everything we do, we strive to use fair and transparent business practice, and act with integrity. 

Do I need to 'get accredited' before investing?

Certain investments will be available to accredited investors only. We will verify your accredited status before accepting your investment in these offerings.


An accredited investor is someone who makes more than $200,000 per year or $300,000 as a couple, for at least two years. You can also be an accredited investor by having a net worth over $1 million excluding your primary home. 

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