Our Financial Health is launching a REIT that will allow small investors in the Harlem, New York community invest in commercial property.

Particularly, the financial wellness organization will concentrate on 422 St. Nicholas Avenue, which is a 10-unit residential property in the city. Our Financial estimates that the asset will rake in an annual return of 4.7 percent.

The overall mission of the REIT is to allow residents to hold stakes in their community and benefit from returns. It calls for investments as low as $1,000, which creates "a pathway for diverse investors to participate," in the market, according to a statement from Our Financial. Moreover, the REIT gives stakeholders a pro-rata share in rental income and allows them to cash out by selling back to the company.