Investment Logic

Understanding the Investment Model

Clear breakdown of costs, returns, timelines, and financial projections for agro real estate investment at WhiteRabbit Agro.

How It Works

Investment Structure

Two components create your total return

Land Appreciation
Long-term capital gains

Your titled farmland increases in value as the estate develops, infrastructure improves, and agricultural zones expand. Historical land appreciation in developed estates averages 8-12% annually in Enugu State.

Example Scenario

1 hectare purchased at ₦3.5M today could be worth ₦6-7M in 5 years based on regional trends, assuming continued infrastructure development.

Crop Revenue
Annual operating income

Once crops reach maturity (2-4 years), annual harvests generate revenue distributed to plot owners. Net proceeds after operating costs, management fees, and taxes provide consistent cash flow.

Example Scenario

1 hectare of mature avocado producing 10 tons annually at ₦350,000/ton generates ₦3.5M gross revenue, or ₦600K-900K net to the owner.

Sample Analysis

10-Year Financial Projection

Based on 1 hectare avocado plot at Emerald Valley Estate

Initial Investment

₦3,500,000

Land + 3-year management

Cumulative Returns (10 yrs)

₦8,200,000

Crop revenue + land value

Total ROI

234%

Over 10-year period

Revenue Breakdown
Years 1-3No revenue (establishment phase)
Years 4-5₦400K-600K/year (early production)
Years 6-10₦700K-900K/year (peak production)
Land Value (Year 10)₦6,500,000 (estimated)

Disclaimer: These projections are estimates based on historical data and current market conditions. Actual returns may vary due to weather, market prices, operational factors, and macroeconomic conditions. Past performance does not guarantee future results.

Flexible Options

Payment Plans

Choose the payment structure that fits your budget

Outright Purchase
Pay full amount upfront
  • Immediate title transfer
  • No payment processing overhead
  • 5% discount on total price
  • Priority plot selection

Best for: Investors with available capital seeking maximum value

6-Month Plan
Spread over half a year
  • 30% deposit, balance over 6 months
  • Title transferred after final payment
  • Fixed monthly installments
  • 2% processing fee

Best for: Those preferring short-term structured payments

12-Month Plan
Extended payment period
  • 20% deposit, balance over 12 months
  • Smaller monthly commitment
  • Title held in escrow, transferred upon completion
  • 5% processing fee

Best for: Diaspora investors syncing with foreign income

Important Information

Tax & Legal Considerations

Ownership Structure
  • Individual C of O registered in your name
  • Direct ownership, not a pooled investment
  • Can be held in personal or corporate name
  • Transferable through sale or inheritance
  • Farm management agreement separate from title
Tax Treatment
  • •Annual land use charge: ₦50,000 per hectare
  • •Agricultural income tax: Subject to state rates
  • •Capital gains tax on land sale: 10% of profit
  • •No VAT on primary agricultural products
  • •Consult tax advisor for diaspora implications

Professional Advice Recommended: Tax and legal implications vary based on your residency, citizenship, and financial situation. We strongly recommend consulting with qualified tax advisors and legal counsel before investing, particularly for diaspora investors subject to multiple jurisdictions.

Ready to Run Your Own Numbers?

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