> For the complete documentation index, see [llms.txt](https://docs.builtbydao.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.builtbydao.com/housing-loyalty/overview.md).

# Housing Loyalty Overview

Housing Loyalty gives a qualifying resident a portable record of credits calculated from base rent and the rate fixed for that property's lease term.

It is a loyalty and closed-loop participation system—not automatic ownership of a unit, a reduction of rent, a dollar peg, or a cash redemption program.

The standard rate is 10%, inside a flexible 5–15% range. Demand and property economics matter: higher-cost city properties tend toward the lower end, while rural, lower-demand, or lease-up properties can use the higher end.

For the current lifecycle, examples, and contract boundary, start with [Housing Loyalty](/housing-loyalty/equity-leases.md) and [How It Works](/housing-loyalty/how-it-works.md).


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