Port Unity, LLC

📈 𝐏𝐨𝐫𝐭 𝐔𝐧𝐢𝐭𝐲'𝐬 𝐑𝐞𝐚𝐥 𝐄𝐬𝐭𝐚𝐭𝐞 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬 — 𝐉𝐚𝐧𝐮𝐚𝐫𝐲 𝟐𝟎𝟐𝟔 📈

𝐇𝐚𝐩𝐩𝐲 𝐍𝐞𝐰 𝐘𝐞𝐚𝐫, 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬!
Welcome to the January 2026 issue of Port Unity's Investor Insights. This quarter, we're featuring Port Unity’s strategic purchase of a 10-unit building in Palmer, Massachusetts this past summer.

𝐁𝐮𝐲𝐢𝐧𝐠 𝐚 𝟏𝟎-𝐮𝐧𝐢𝐭 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐟𝐨𝐫 𝐧𝐨 𝐦𝐨𝐧𝐞𝐲 𝐢𝐧!

In June 2025, we acquired a 10-unit building in Palmer, MA for a mere $415,000, well below market. Because of the low purchase price, and the fact that many of our Investors were interested in investing as short-term debt at 12%, we decided to go Bridge debt to cover the Purchase and the Capex the property needed. This allowed Port Unity to become owners with no money in.

The Business Plan includes giving the building a whole new makeover with new siding and paint on the exterior, and new paint in the common-area interior. At the same time, we are working with tenants to increase the rents from a $6,700 Rent Roll at Purchase to a $11,200 Rent Roll by the Refinance.
With the Capex complete, and the rent increases near completion, we are initiating a Refinance into stable debt. We anticipate the building to appraise at $950,000 which will be an impressive increase in value of $535,000. All in less than a year! Not only will that give us the funds needed to pay off the Bridge debt, but also put ample Reserves in place and give Port Unity a nice cushion for our efforts. Plus we’ll have a stabilized, cash flowing asset in our portfolio.

Lastly, we want to acknowledge and thank our Investors for putting their trust in us. It was encouraging to see how many of them were interested in a short-term debt opportunity versus as a long-term Limited Partner for equity. This would not have been possible without them!

📊 𝐌𝐚𝐫𝐤𝐞𝐭 𝐒𝐧𝐚𝐩𝐬𝐡𝐨𝐭
• 𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐓𝐫𝐞𝐧𝐝𝐬: Average multi-family property prices have risen by 7.2% over the past year (NAR, 2026).

• 𝐋𝐨𝐜𝐚𝐥 𝐅𝐨𝐜𝐮𝐬: In both Springfield and Holyoke, we've seen a surge in rental rates, up 5% and 7% respectively (GlobeSt, 2026).

💼 𝐄𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐃𝐫𝐢𝐯𝐞𝐫𝐬
• 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐑𝐚𝐭𝐞𝐬: The Federal Home Loan Bank of Boston reports a moderate increase in interest rates, currently at 2.3% (FHLB, 2026).

• 𝐈𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧: Inflation is holding steady at 2.1%, a favorable environment for real estate investment (FRED, 2026).

• 𝐄𝐦𝐩𝐥𝐨𝐲𝐦𝐞𝐧𝐭 & 𝐆𝐃𝐏: With national unemployment at an all-time low (5.2%), and the GDP growth rate at 2.8%, economic conditions remain supportive of the real estate market (Census, 2026).

🏦 𝐏𝐨𝐥𝐢𝐜𝐲 & 𝐋𝐞𝐠𝐢𝐬𝐥𝐚𝐭𝐢𝐯𝐞 𝐔𝐩𝐝𝐚𝐭𝐞𝐬
• 𝐍𝐞𝐰 𝐙𝐨𝐧𝐢𝐧𝐠 𝐑𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬: Massachusetts state has eased zoning restrictions to encourage multi-family housing development. This change is expected to spur increased investment activity. (Mass.gov, 2026).

• 𝐓𝐚𝐱 𝐔𝐩𝐝𝐚𝐭𝐞𝐬: The IRS has updated Section 179, allowing for higher deductions on property improvements. This could potentially increase ROI for investors (IRS, 2026).

🧭 𝐌𝐚𝐫𝐤𝐞𝐭 𝐒𝐩𝐨𝐭𝐥𝐢𝐠𝐡𝐭: 𝐒𝐩𝐫𝐢𝐧𝐠𝐟𝐢𝐞𝐥𝐝
A city with a rich heritage and promising future, Springfield offers numerous opportunities for multi-family real estate investment. Despite some challenges with aging infrastructure, the city's strategic location, robust development activity, and supportive legislative environment make it ripe for investment (NAR, 2026).

⭐️ 𝐍𝐨𝐭𝐚𝐛𝐥𝐞 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬
• 𝐃𝐞𝐚𝐥 𝟏: A Class B property in Haverhill sold for $3M in December, signaling strong investor interest in the area (GlobeSt, 2026).

• 𝐃𝐞𝐚𝐥 𝟐: An apartment complex in Fitchburg was acquired for $2.5M in January, reflecting the robust rental market in the city (GlobeSt, 2026).


✅ 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫 𝐀𝐜𝐭𝐢𝐨𝐧 𝐏𝐨𝐢𝐧𝐭𝐬
• 𝐍𝐞𝐰 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬: Consider starting with Class B or C properties for steady cash flow and lower entry costs.

• 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞𝐝 𝐎𝐰𝐧𝐞𝐫𝐬: Explore opportunities in emerging suburban markets for diversification.

• 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐚𝐥 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬: Evaluate portfolio performance against the backdrop of current economic indicators.

🔮 𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐀𝐡𝐞𝐚𝐝
• 𝐅𝐞𝐝 𝐌𝐞𝐞𝐭𝐢𝐧𝐠 𝐃𝐚𝐭𝐞: Keep an eye on the upcoming Federal Reserve meeting on March 15, 2026. Interest rate decisions could impact your investment strategy (Federal Reserve, 2026).

• 𝐂𝐏𝐈 𝐑𝐞𝐥𝐞𝐚𝐬𝐞: The next CPI release is due in February. This could provide insights into future inflation trends (BLS, 2026).

🔍 𝐓𝐚𝐤𝐞 𝐚 𝐂𝐥𝐨𝐬𝐞𝐫 𝐋𝐨𝐨𝐤
See our latest offerings and assets under management at: port-unity.com/invest-today.
To learn more about us, visit: port-unity.com.
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𝘛𝘩𝘪𝘴 𝘯𝘦𝘸𝘴𝘭𝘦𝘵𝘵𝘦𝘳 𝘪𝘴 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘐𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴 𝘴𝘩𝘰𝘶𝘭𝘥 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘢𝘥𝘷𝘪𝘴𝘰𝘳 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢𝘯𝘺 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴.

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Wishing everyone a Happy Thanksgiving!

Our team is always looking for value-add multifamily opportunities both in MA and in other parts of the US. Tampa is a market that we have previously invested in but paused our acquisitions due to concerns of higher expenses, declining rents, and high asking prices.

Is 2026 the year for undervalued multifamily acquisitions in Tampa?

What are your thoughts on the Tampa multifamily market and would you invest there in 2026? Why or why not?

As foreclosure rates climb across the United States, Florida has emerged as the hardest-hit state, and Tampa is at the center of the surge. More Below 🔗⬇️

Do you think that one washer and one dryer, for every 22 units, is sufficient in a multifamily building?

If we move forward with this 45 unit multifamily asset, the laundry rooms would need to be updated to accommodate multiple tenants washing clothes at the same time. We do not want tenants getting aggravated waiting for an open machine or having to drive off property to do their laundry.

Happy Tenant = Happy Life

NEW OFFERING ALERT:

This opportunity is for accredited investors only and being offered under a 506c filing

Here’s the breakdown:
✅ 24-unit brick apartment building
✅ 100% occupied
✅ Just 10 miles from Boston
✅ IRR: 15–16%+
✅ Cash-on-cash: 7–9%
✅ Investor capital returned in Year 4
✅ Upside: Rents are $300–$500 BELOW market
This is what we look for:
💰 Proven asset
💰 Under-market rents
💰 Day-one equity
💰 Real upside with realistic assumptions

✅ The full investor deck is live for you to review:
https://port-unity.investnext.com/portal/offerings/8049/148-liberty-st-lynn-ma/

Touring multifamily and commercial assets in a new market…Cleveland OH

Excited to find new opportunities for our investors.