15-Year Tax Abatement · 8.4% Cash-on-Cash · Columbus, OH

219 Class A Units.
Built for Cash Flow from Day One.

219 Class A units in Westerville/New Albany, Ohio. Built 2025. 15-year tax abatement. $117K average household income within 3 miles. Two transformative employers arriving during our hold period.

Enter the Deal Room
Fairmont Apartments — Westerville / New Albany, OH — 2025
8.4%
Avg Cash-on-Cash
Annual distribution target
2.2x
Equity Multiple
7-year hold period
14–16%
Target IRR
Net to investors
15 Yrs
Tax Abatement Remaining
100% on improvements · through 2041

$1B+ AUM  ·  500+ Active Investors  ·  29% Avg Net Investor IRR  ·  $0 Investor Losses — Ever  ·  $0 Capital Calls — Ever

Property Snapshot:
219 Units · 8 Buildings · 2025 Vintage

Fairmont Apartments is a ground-up new construction, Class A multifamily community in Westerville/New Albany, Ohio — the highest-performing submarket in the Columbus MSA. New construction. Zero deferred maintenance. 15-year tax abatement through 2041.

219
Total Units
8
Buildings
928 SF
Avg Unit Size
92%
Occupied
96% incl. pre-leased
$1,813
Avg Monthly Rent
2025
Vintage
New construction

Unit Mix

Unit Type Total Units Avg Monthly Rent
1 Bedroom 88 units $1,506
2 Bedroom 108 units $1,955
3 Bedroom 23 units $2,254

Class A Amenities

Designed to attract and retain high-earning residents in the Columbus tech and defense corridor.

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2 Heated Resort-Style Pools
Golf Simulator
Dual Starbucks Coffee Bars
🎬
Private Screening Room
💼
Co-Working / Business Center
💪
State-of-the-Art Fitness Center

Interior Gallery

Built by Operators,
Not Just Allocators

Gray Capital isn't a fund manager that outsources execution. We built the operating platform from scratch — and our leadership team invests alongside our LPs in every deal. 14% average GP co-investment. 3x the industry average.

$1B+
Assets Under Management
29%
Avg Net Investor IRR
10,000+
Units Acquired
500+
Active Investors
$0
Investor Losses (Ever)
$0
Capital Calls (Ever)
Spencer Gray
Spencer Gray
Founder & CEO
Jay Reeder
Jay Reeder
Chief Investment Officer
Blake Pieroni
Blake Pieroni
Capital Markets · Primary Contact
Alex Gray
Alex Gray
Co-Founder & COO
Andrew Bosway
Andrew Bosway
COO, Gray Residential
Katrina Greene
Katrina Greene
SVP Property Management

The Numbers Behind
Every Dollar We Deploy

$1B+
Assets Under Mgmt
29%
Avg Net IRR
8,000+
Units Managed
12
Full-Cycle Exits
Zero
Capital Losses

Gray Capital is a vertically integrated private equity firm headquartered in Indianapolis. We don't outsource — we underwrite, acquire, renovate, manage, and exit every asset in-house. Our leadership team commits 15–20% GP co-investment into every deal — making us the largest equity investor alongside our LPs. When we say skin in the game, we mean it.

Columbus, Ohio:
The Most Compelling Multifamily Market in America

Columbus is a 2.2M+ population metro growing at 2x the national average. One of only 5 US markets with zero negative lease tradeout months post-COVID. Two transformative employers are landing within miles of Fairmont during our hold period.

2.24M
Columbus MSA Population
14th largest US metro
1.38%
Annual Population Growth
Fastest in Midwest · 2x national avg
102,228
New Jobs Through 2030
Columbus MSA projection
3.7%
Midwest Rent Growth
vs. 1.0% national average

Two Transformative Employers
Arriving During Our Hold Period

Employer Catalyst #1 · Opening July 2026
Anduril Arsenal-1
$900M autonomous weapons manufacturing campus just miles from Fairmont. Production begins July 2026 — Year 1 of our hold. Defense manufacturing historically creates stable, high-wage, long-tenure employment. These engineers will rent before they buy.
$900M Investment 4,000+ Direct Jobs $125K+ Avg Salary July 2026 Production
Employer Catalyst #2 · Production 2030–31
Intel Ohio One
$28B semiconductor campus in New Albany — the largest private investment in Ohio history. 3,000+ permanent engineering jobs at $135K+ average salaries. First production 2030–31, within our 7-year hold period. Announcement effects are already driving submarket rent growth.
$28B Investment 3,000+ Engineers $135K+ Avg Salary Ohio History's Largest

Sources: Columbus Partnership 2026; Intel 2024; Anduril Industries 2025; CoStar Q4 2025; Gray Capital Research, April 2026.

Strategic Catalysts
Reshaping the Midwest Economy

Beyond Intel and Anduril, a wave of advanced manufacturing and technology investment is transforming the central Ohio corridor into the nation’s next major economic engine.

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Semiconductor · New Albany, OH
Intel Ohio One
$20B semiconductor fabrication campus in New Albany — directly within the Columbus MSA. The largest single private-sector investment in Ohio history, backed by the CHIPS and Science Act.
$20B Investment 3,000+ Engineers $135K+ Avg Salary CHIPS Act Backed 2030–31 Timeline
🛡️
Defense Manufacturing · Columbus, OH
Anduril Arsenal-1
Next-generation autonomous defense manufacturing facility — the first of its kind. Arsenal-1 brings advanced manufacturing jobs to the Columbus metro at salaries that drive Class A rental demand.
4,000+ Jobs $125K+ Avg Salary July 2026 Operational Defense Sector

Also in the corridor: Honda/LG $4.4B EV battery plant (Fayette County) · Amazon, Microsoft & Google hyperscale data centers across central Ohio · JPMorgan Chase regional HQ expansion · OhioHealth system-wide growth. Fairmont sits at the intersection of these catalysts.

Westerville / New Albany:
Columbus's Highest-Performing Submarket

Near-zero available land for competitive new supply. Highest household incomes and education attainment in the Columbus MSA. A-rated schools. 4%+ sustained rent growth before either employer catalyst materializes.

$117,664
Avg Household Income
3-mile radius
$592,000
Avg Home Value
3-mile radius
62%
Bachelor's or Higher
Highly educated renter base
4%+
Sustained Rent Growth
Submarket annual average

$1,813/mo to Rent. $4,831/mo to Own.

Owning an equivalent home in this submarket costs 166% more per month than renting at Fairmont. This gap structurally extends the renter pool far beyond typical demand cycles and creates a durable cushion against occupancy softness — regardless of market conditions.

JPMorgan Chase · 18,600 jobs OhioHealth · 24,662 jobs Nationwide Insurance · 16,000 jobs Victoria's Secret HQ Abercrombie & Fitch HQ Intel Ohio One (arriving) Anduril Arsenal-1 (arriving)

Three Charts That Tell
The Whole Story

Columbus Supply Pipeline
2025
9,093 units
2026
5,153 units
-43% Deliveries declining

Source: CoStar Pipeline Data Q4 2025

Rent Growth Comparison
+13%
WESTERVILLE
YoY
-0.5%
NATIONAL
YoY
Westerville outperforms national avg by 1,350 bps

Source: Rentcast ZIP 43081; Zillow ZORI National

Break-Even Cushion
62.1%
97%
Break-Even Actual Occupancy
34.9% Occupancy cushion above break-even

Source: Gray Capital Underwriting Model

Investment Thesis:
Four Structural Advantages

Fairmont is not a speculative bet on a single employer or thesis. It has four independent return drivers, each of which works on its own. Together they create a risk-adjusted return profile that is difficult to replicate in any other asset in the market today.

01

Cash Flow Advantage

The 15-year, 100% tax abatement on improvements dramatically reduces operating expenses from day one. Combined with 2025 new construction — zero deferred maintenance, zero capital spend, zero capex surprises — Fairmont is structured to generate strong, distributable cash flow from the first distribution cycle without requiring any operational heroics.
Tax abatement through 2041 · Zero capex budget · Day-one cash flow
02

Growth Runway

At $117K average household income in a 3-mile radius, this submarket supports substantially higher rents. Current market rents sit well below maximum supportable rent levels fully validated by local income. This growth runway is available without any employment growth assumptions — purely organic income support.
$117K avg HHI · Substantial rent headroom · Income-validated upside
03

Market Positioning

Fairmont sits at the intersection of the New Albany corridor and Westerville submarket — adjacent to Intel Ohio One and minutes from Anduril Arsenal-1. Top area employers include JPMorgan Chase, OhioHealth, Nationwide Insurance, Victoria's Secret HQ, and Abercrombie & Fitch. The high-wage renter base is already here.
New Albany adjacency · 100,000+ professional jobs within 10 miles
04

Embedded Upside

At 92% occupied (96% including pre-leased), Fairmont has identifiable loss-to-lease and concession burn-off embedded in its current rent roll. As lease-up concessions naturally expire and rents revert toward market fundamentals, organic NOI growth materializes without any capital investment required.
Loss-to-lease capture · Concession burn-off · Zero additional capex

4,400+ Adversarial Simulations.
96.7% Unanimous GO.

Gray Capital subjected Fairmont to our proprietary Multi-Agent Adversarial Simulation (MAAS) framework — 5 independent AI agents (Bull, Bear, Moderator, Quant, LP Advocate) debating every assumption across 4,400+ simulation runs. The result: institutional-grade conviction, calibrated by adversarial pressure.

96.7%
GO Verdict
Under full adversarial conditions — with a dedicated Bear agent stress-testing every scenario — 96.7% of all debates reached a unanimous GO recommendation. The remaining 3.3% were CONDITIONAL GO with minor caveats, not a single NO verdict across 4,400+ runs.
IRR Distribution · 830 Observations from 200 Calibrated Simulations
8% PREF
11.2%
P10
12.8%
P25
14.26%
P50
15.4%
P75
16.71%
P90
Median IRR: 14.26%
P10 Floor: 11.2% (320 bps above 8% pref)
P90 Upside: 16.71%
4,400+
Total Simulation Runs
830
IRR Observations
22
Calibration Batches
5
Adversarial AI Agents
200
Calibrated Simulations
320 bps
P10 Above 8% Pref

How MAAS Works

Five specialized AI agents independently analyze the deal from adversarial positions: the Bull makes the affirmative case, the Bear stress-tests every assumption, the Quant validates the numbers, the LP Advocate protects downside, and the Moderator synthesizes debate into a final verdict. Each simulation randomly varies rent growth, cap rates, interest rates, vacancy, and operating expenses within constrained ranges — then the agents debate to consensus. The result is a probability-weighted return distribution that no single analyst could produce.

50+ pages of methodology, agent transcripts, and full distribution analysis

Why Now:
The Supply Drought is Here

The national multifamily supply wave is collapsing. Columbus deliveries in 2026 will be 75% below 2025 peak. Meanwhile, absorption is running at 2x historical average. Fairmont enters the market at the ideal inflection point.

75%
Drop in 2026 Columbus Deliveries vs. 2025
Metro-wide supply is collapsing from 9,093 units in 2025 to an estimated 5,153 in 2026 — a 43% decline. The Westerville/New Albany submarket sees a 74–75% drop. New competition is disappearing.
6,286
Net Units Absorbed, Trailing 12 Months
2x the historical average. Columbus is absorbing supply at an exceptional pace, with demand driven by population growth, employer expansion, and the rent-vs-own gap keeping renters in the market.
40%+
National Multifamily Starts Decline
National construction starts have fallen 40%+ from 2023–2025 peak levels. New construction requires $2,100–2,300/mo rents to pencil economically. At current Columbus averages, new supply is economically irrational.
637,100
US Net Absorption, Trailing 12 Months
Record-level national absorption is validating a structural reset in multifamily demand. Columbus, as a high-growth Midwest market with tech investment, is positioned to outperform the national average substantially.

Bottom line: 4.0% average annual rent growth does not require Intel Ohio One to execute on schedule. It is supported independently by Columbus's long-term organic reversion (3.0–3.5%), a 74–75% submarket supply collapse, and construction cost inflation that renders new competition economically irrational. Intel and Anduril are additive upside — not the base case.

Sources: CoStar Pipeline Data Q4 2025; Rentcast ZIP 43081; FRED API; Gray Capital Research Division, April 2026.

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Every month of delay is a month of
tax abatement value that cannot be recovered.

The 15-year abatement runs from 2026. LP positions are limited. The deal room is open now.

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