Everything You Need to Know
About Valtora

No. Valtora is not a licensed investment firm, bank, broker-dealer, or fund manager. This website does not constitute a public offer, investment advice, financial advice, or a prospectus under any applicable regulation.

Valtora works with regulated compliance partners for KYC/AML, investor qualification, and reporting obligations. All investment opportunities are restricted to qualified investors subject to formal documentation. Please consult your own legal, financial, and tax advisors before making any investment decision.

Valtora was founded by Sergij Titarcuk, a Berlin-based financial professional with 18+ years of experience in financial services and investment, including as District Director at OVB Holding AG with over 7,500 clients across Germany, Ukraine, and Europe.

The legal operating entity is Valtora, UAB, registered in Lithuania (Company code 308082842, V. Nagevičiaus g. 3, LT-08237 Vilnius). The US asset vehicle is EVERCREST OHIO LLC (Ohio Secretary of State, EIN 37-2236149, confirmed June 2026).

Valtora is exclusively available to qualified, professional, or institutional investors as defined under applicable EU law (MiFID II and national investor qualification frameworks). Eligible categories include:

• Professional Clients (MiFID II)
• Qualified / Experienced Investors (as defined by applicable national law)
• Institutional Investors (funds, family offices, regulated entities)
• High Net Worth Individuals (HNWI) — subject to legal qualification review in your country of residence

All investors must complete KYC/AML identity verification and execute formal investment documentation before any capital is transferred. Submitting the access form does not create any right to invest.

Minimum participation details are provided to qualified investors after completing the access request and KYC review. No public minimum investment is stated, as Valtora is not making a public offering.

To enquire, please submit an investor access request or contact us directly at investor@valtoramarkets.com.

The process has three steps:

• 1. Submit an access request at valtoramarkets.com/access.html. Include your investor type, indicative volume, and country of residence.
• 2. Review the data room. Qualified investors receive access to the investment memorandum, financial model, LLC formation documents, and draft loan agreement.
• 3. Complete KYC and sign documentation. After review, execute the subscription and loan documentation. Capital is transferred via standard bank wire.

Response is usually within 2–5 business days. Each request is reviewed individually by our team.

Qualified investors receive access to a secure data room containing:

• Investment Memorandum (EN + German summary)
• EVERCREST OHIO LLC formation documents (Articles of Organization, EIN confirmation, Operating Agreement)
• Financial model — Ohio Section 8 underwriting assumptions and cashflow projections
• Draft Intercompany Loan Agreement
• Investment structure diagram (EU LLP → Ohio LLC)
• Risk disclosure and compliance documentation
• KYC/AML process overview

Section 8, formally the Housing Choice Voucher (HCV) Program, is a US federal housing assistance program administered by local Public Housing Authorities (PHAs). Under a valid Housing Assistance Payment (HAP) contract, the Housing Authority may pay a portion of the tenant's monthly rent directly to the landlord.

This can create a more structured rental income profile — but it does not eliminate investment risk. Payments are conditional on: tenant eligibility, HQS inspection compliance, rent reasonableness verification, and continued program participation. For more detail, see our complete Section 8 guide.

Ohio offers a combination of factors that align with Valtora's investment criteria:

• Lower acquisition prices — Ohio secondary markets offer single-family properties at prices significantly below the national average, supporting stronger cash-on-cash returns
• Active HCV market — Ohio has multiple well-established Housing Authorities with confirmed voucher demand in target zip codes
• SAFMR-based payment standards — Small Area Fair Market Rents in target Ohio markets have been stable to rising year-over-year
• Existing structure — EVERCREST OHIO LLC is already incorporated and operational in Ohio

Read more in our Ohio market analysis.

No — Section 8 rent is not guaranteed. For Valtora, Section 8 is not sold as a guarantee. It is a disciplined real estate strategy with documented underwriting and operational controls.

HAP contract payments depend on: the property maintaining HQS inspection compliance, the tenant remaining eligible for the voucher program, rent reasonableness relative to market rents, and the Housing Authority's administrative capacity. Any of these conditions failing can interrupt or terminate payments.

European investors participate through Valtora LLP, a European investment vehicle (Lithuania, in formation), rather than investing directly into US entities. The capital flow is:

• EU Investors → Valtora LLP (subscription / participation agreement)
• Valtora LLP → EVERCREST OHIO LLC (intercompany related-party loan)
• EVERCREST OHIO LLC → acquires and operates Ohio Section 8 properties
• Rental income → EVERCREST OHIO LLC → loan service payments → Valtora LLP → investor distributions

The final terms — interest rate, loan period, security, distribution mechanics — are set out in the formal subscription and loan documentation provided to qualified investors.

The EU LLP structure is designed to reduce direct US K-1 tax reporting obligations and PFIC exposure for European investors — because investors hold interests in a European entity (the LLP), not directly in the US LLC.

Important: This is not a guarantee of any particular tax outcome. The actual tax treatment depends on each investor's individual situation, country of residence, applicable tax treaties, and final legal structure. Investors must consult their own independent tax advisors. See our article on K-1 and PFIC for EU investors.

Assets are denominated in USD (US dollars), while most European investors hold capital in EUR. USD/EUR exchange rate fluctuations can materially affect returns in either direction. A weakening USD against the EUR reduces effective returns for European investors; a strengthening USD increases them.

Currency hedging options are not currently included in the base structure. Investors should account for this risk in their investment decision and consult their own advisors.

Key risk categories include:

• Capital loss risk — Investments may result in partial or total loss of invested capital
• Illiquidity — No secondary market; capital is committed for the investment term
• Section 8 program risk — HAP payment interruption, HQS inspection failure, Housing Authority capacity
• Property risk — Vacancy, renovation costs, property value decline
• Currency risk — USD/EUR fluctuation
• Regulatory risk — Changes to Section 8 program rules, EU/US regulatory developments
• Structural risk — Valtora LLP is in formation; legal structure not yet finalized

Read the full Risk Disclosure before investing.

Target return details are provided to qualified investors in the investment memorandum after access is granted. Any figures presented are forward-looking estimates only, based on current Ohio market assumptions and underwriting models. They are not guaranteed.

No return, distribution, repayment, or capital preservation is guaranteed. Past performance of comparable assets is not indicative of future results.

Investments in Valtora are illiquid. There is currently no secondary market for participation rights or intercompany loan instruments. Investors should expect their capital to be committed for the full investment term (currently estimated at 36 months, subject to formal documentation).

Early exit may not be possible. If available, early exit may result in a loss of capital. Investors should only commit capital they can afford to keep committed for the full term.