Investors
Earn Passive Income from Real-Estate–Backed Notes
Put your capital to work in privately originated, first-lien mortgage loans. With an asset-based approach and disciplined underwriting, our investors target up to 12% annual returns while their principal is secured by real property.
Looking to diversify beyond stocks and bonds? Mortgage note investing can add a steady, collateralized income stream to your portfolio. Leverage our years of lending experience from millions funded across diverse real-estate deals.
Why Mortgage Note Investing (With Us)
- Attractive Target Yields – Investors can earn up to 12% per year, paid monthly.
- Secured by Real Estate – Every investment is backed by a first-lien mortgage on the underlying property.
- Short Terms, More Flexibility – Typical loan durations run 12–24 months, giving you options to free up capital or reinvest.
- Hands-Off for Investors – We handle sourcing, underwriting, closing, and servicing—you receive predictable distributions. Accompanied by transparent communication that includes regular reporting and servicing updates.
- Proven Risk Controls – Historical default experience has been low on originated loans, with real assets as collateral. We apply the same standards we use for our own capital.
How It Works
1
We offer short-term, asset-based financing for qualified real estate projects. You choose your investment range (e.g., $100k, $200k, $500k). When a loan opportunity matches your range, we send you the details, including property location. You can ask questions to decide if you want to proceed or wait for the next opportunity.
2
Closing would be within a few days or less, you would receive a copy of closing documents, with the borrower’s information, including an initial interest payment upfront. Your investment is protected and secured by the property.
3
The Borrower pays interest monthly – You receive scheduled interest payments net of a 2% servicing fee we use to manage the loan. We manage the lifecycle – Due diligence, documents, and borrower relations are handled in-house. You collect income – Distributions are typically sent via ACH by the 10th of each month; principal is returned at maturity or payoff.
Why Many Investors Consider This a Safer Income Strategy
1
First-lien security (collateralized)
Your investment is secured by real property. As the senior/lender in first position, you have priority on repayment and legal remedies if a borrower defaults.
2
Conservative leverage creates an equity cushion
We lend well below market value, typically capped around 65–70% of value or ARV. This built-in borrower equity helps absorb market shifts before lender principal is exposed.
3
Short terms reduce market exposure
Loan terms typically run 12–24 months, limiting long-term market exposure and reducing risk from price volatility compared to open-ended investments.
4
Cash flow paid as you go
Investors earn contracted interest payments, net of servicing, throughout the loan term instead of relying solely on uncertain end-of-term appreciation.
5
Clear remedies
In a default, first-lien lenders may pursue interest penalties, foreclosure, or deed-in-lieu remedies as permitted by law. High borrower equity makes default unlikely.
6
Lend to Investors Only
Our borrowers are real estate investors using properties for rentals or fix-and-flips. This allows faster resolution if needed and includes cash flow or profit intent.