10/05/2026
You buy a rental property, put your own money into it and take on the work that comes with it. You deal with the tenant, the repairs and the months when a unit sits empty. Through all of that, the bank still expects its payment.
And if the property loses value, your equity can absorb losses first. A secured lender’s claim generally comes before the owner’s. Your money is at risk even while the loan still needs to be paid.
Then there’s refinancing. If you have to refinance at a higher rate, more of the rent can go toward the loan and less is left for you. Add an unexpected repair or a vacancy, and that payment becomes one more thing the property has to carry.
That’s why we chose a debt-free property approach at Fajr. We buy without property debt, so there’s no mortgage payment coming out of the rent and no property loan to refinance when rates rise. We still have to manage the properties well, keep them occupied and deal with repairs. Those responsibilities don’t go away.
So how does the rent become cash flow for an investor? The property’s bills get paid first. We set aside reserves and cover the fund’s obligations. What’s left may be distributed to investors. Buying without property debt removes mortgage payments from that path; it doesn’t guarantee a distribution.
Nabil and I will walk through this together on October 11. We’ll explain the approach behind Fajr Income Fund, how the cash flow works and what you should understand before investing. Come with your questions.
Introduction to Fajr Income Fund
Sunday, October 11, 2026, 1–2 PM EDT
Faseh Mohammed and Nabil Syed
Register: https://luma.com/sne64zjs
For prospective accredited investors. Debt-free is not risk-free. Capital is at risk and distributions are not guaranteed. Review the current offering documents.
