INVH

Invitation Homes (single-family rental REIT)

HARAM — SCREEN DOES NOT PASSstock

Is INVH Halal?

Residential REIT — conventional debt structure not permissible.

What You Should Know

Invitation Homes rents single-family homes. Rental housing is permissible, but REIT financing structure involves significant conventional debt. Its March 31, 2026 filing shows 47.07% debt/assets, 0.95% liquidity/assets and 1.09% receivables-plus-cash/assets, so the examined debt screen fails.

⚠️ Concerns

  • REIT conventional leverage
  • Interest payments dominate
  • Debt/assets exceeds the examined 33.333% limits

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-15.

USD · millions
Interest-bearing debt / assets
47.07%Above limit
Below 33.333% under FTSE Yasaar

8,802.37 / 18,701.141

Cash + interest-bearing securities / assets
0.95%Within limit
Below 33.333% under FTSE Yasaar

177.734 / 18,701.141

Receivables + cash / assets
1.09%Within limit
Below 50% under FTSE Yasaar

203.274 / 18,701.141

FTSE Yasaar
v4.6, February 2026
Financial
Fails
Overall
Fails

Debt/assets is 47.07%, above the 33.333% limit; liquidity/assets is 0.95% and receivables-plus-cash/assets is 1.09%.

MSCI Islamic (total-assets series)
October 2024 methodology
Financial
Fails
Overall
Fails

Debt/assets is 47.07%, above the examined 33.33% total-assets limit; liquidity and receivables-plus-cash remain below their limits. This is not an index-membership claim.

Malaysia SAC financial ratios
single 5% activity benchmark adopted November 2025
Financial
Fails
Overall
Fails

Debt/assets is 47.07%, above the examined Malaysia limit; identifiable liquidity/assets is below its limit. This is not an official classification.

Market-cap denominator methods
MSCI M-Series, S&P and Dow Jones methods differ
Financial
Not calculated
Overall
Fails

A licensed historical market-cap series is not stored; the asset-based screens fail on debt/assets.

Business-activity disclosure

Invitation Homes owns and rents single-family homes. Residential rental activity is generally permissible under the retained qualitative analysis, while REIT structure, homebuilding, property finance and tenant practices require review.

Limitation: No universal prohibited-revenue allocation is inferred from property, management-fee or homebuilding disclosures.

Purification

Interest income is not separately disclosed and activity allocation remains incomplete; no fixed purification percentage is prescribed.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Invitation Homes' March 31, 2026 Form 10-Q.
  • Debt is secured debt of $1,384.686 million, unsecured notes of $4,400.877 million, term-loan facilities of $2,456.807 million and revolving-facility borrowings of $560.000 million; operating leases are excluded. Cash uses $114.129 million; restricted cash is excluded, and $63.605 million of investments in equity and other securities is shown separately.
  • Receivables total $89.145 million, comprising rent, homebuilding, construction-loan and other receivables. Quarterly revenue is $734.112 million.
  • Interest income and a scholar-universal prohibited-revenue numerator are not separately disclosed.

This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.

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