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Open for investment
Private Lending

Monthly passive income secured by first position real estate loans.

Your capital is lent across a diversified portfolio of southeast fix-and-flip properties. We only lend as first-position lien holder, so your investment is secured by real estate and spread across the entire portfolio, not tied to any single asset.

Lent to date$609M+
Lien positionFirst position only
DistributionsMonthly
Lock-up period6–12 months
Compounding optionAvailable
StructureReg D 506(c)
Preferred-return tiers

Choose an investment level

The more you commit, the higher your preferred-return tier. Returns aren't guaranteed, and every detail on eligibility, lockup, and liquidity is spelled out in the offering documents.

8%
$100,000–$499,999
9%
$500,000–$1,249,999
Six month lockup
10%
$1,250,000+
Twelve month lockup
A 90-day liquidity option applies fund-wide, alongside each tier's lockup terms above. Begin earning interest as soon as three weeks from investment.
Why this fund

Built to protect your downside first.

Every feature of this fund exists to answer one question: what happens to my capital if things don't go perfectly?

Preferred return comes first

Investors receive their preferred return before we pay expenses or realize any profit ourselves.

Secured by physical real estate

Every loan is backed by a real property, with your position spread across the full portfolio, not one deal. It's real estate you never have to manage.

Simple liquidity, no long lock-in

Monthly ACH distributions or a compounding option to boost returns, with straightforward liquidity terms and no long-term commitment required.

$609M+
lent to borrowers through this fund
1st
position lien holder, every loan, no exceptions
How it works

Diversified across the portfolio, not one property.

Your capital doesn't fund a single loan. It's spread across a diversified pool of southeast fix-and-flip properties, so no single borrower default puts your full position at risk.

  • Low historical borrower default rate
  • Every loan underwritten and funded as first-position lien
  • Monthly distributions via ACH, or compound for higher yield
  • No outside leverage, the fund lends its own capital
See it explained

The debt fund, in under 20 minutes.

A short walkthrough of how the fund is structured, how loans are underwritten, and what protects your capital if a borrower defaults.

Watch the webinar

Third-Party Independent financial-statement audit

The consolidated financial statements of the fund and its manager for the year ended December 31, 2025 were audited by Assurance Dimensions, LLC, an independent licensed CPA firm. The auditor issued an unmodified opinion, concluding that the statements fairly present, in all material respects, their financial position and results in accordance with U.S. GAAP. Independent auditing adds a valuable layer of financial reporting discipline and transparency for prospective investors.

Three steps, start to finish

How the debt fund works

No surprises along the way. Review the terms, pick your approach, then let us handle the rest.

1

Review the offering

Read through the offering memorandum, fund terms, liquidity provisions, material risks, and audited financials before committing a dollar.

2

Choose your approach

Decide how much to invest, and whether you'd rather take your preferred return as a monthly deposit or compound it for a larger payout later.

3

Monitor your investment

Get monthly investor updates, and revisit when your plans change, all within the fund's terms.

Structure matters

One less layer of risk between you and the loan portfolio

Investor capital goes straight into a diversified pool of short-duration, asset-backed real estate loans.

You are first in line. This doesn't make the investment risk-free, all investments carry risk, but we've removed one layer of it.

No bank debt
→
Your capital
→
Diversified loan portfolio
→
Monthly distributions

Senior real estate loans

Every loan is secured by real property and funded in first position, though underwriting and collateral risk still apply.

Short-duration lending

~6–9 month loan terms, giving us flexibility to adapt to market changes and more control over our loans, while capital keeps recycling as borrowers repay.

Portfolio diversification

Your investment is spread across the loan book, not tied to the outcome of any single property or borrower.

No bank debt

  • No fund-level lender standing ahead of you
  • No refinancing crunch or amplified losses

Risks that remain

  • Borrower defaults and foreclosures, though we've held an industry-low default rate to date
  • Shifts in collateral value or market conditions
  • Possible illiquidity or delayed repayments, though the fund has had no delayed repayments since inception in 2020
Frequently asked questions

Real estate debt fund FAQs

Yes. Assurance Dimensions, LLC, an independent licensed CPA firm, audited the consolidated financial statements of our third party partners for the year ended December 31, 2025. The auditor issued an unmodified opinion, stating that the statements fairly present, in all material respects, the partners' financial position and results in accordance with U.S. GAAP. An audit offers reasonable, not absolute, assurance and is not a guarantee of investment performance.

No. Preferred returns are targets, not guarantees. Distributions may be reduced, suspended, or unavailable, and as with any investment, there is always potential for loss of principal.

There have been zero passive investor losses or pauses in distributions since inception in June 2020.

Investors may be able to reinvest their monthly returns instead of receiving them as cash. Specific terms and availability are set out in the official offering documents.

The fund offers a 90-day liquidity option. Any redemption or withdrawal remains subject to the fund's terms, limitations, timing, available liquidity, and the governing offering documents.

The fund operates with fund-level equity, not fund-level borrowing. We are the bank, rather than using bank-borrowed funds, which lowers the risks tied to leverage and senior fund creditors. It does not eliminate the underlying risks of private real estate lending.

The offering is open only to verified accredited investors. Learn more about accredited investor qualifications.

The minimum investment is $100,000. Preferred return tiers start at 8% for investments of $100,000 to $499,999, with 90-day liquidity, and go up to 10% for investments of $1,250,000 or more. The $500,000 tier carries a six-month lockup, and the $1,250,000 tier carries a twelve-month lockup. Returns are not guaranteed, and the current offering documents govern all terms.

The strategy centers on short-term, asset-backed residential real estate loans, typically including fix-and-flip, bridge, transactional, first-flip, and land-plus-manufactured-home loans. The portfolio mix may change over time.

Our loans are senior loans secured by real estate. Underwriting may include a review of the borrower's background and finances, independent property valuations, title protection, personal guarantees, and lending guidelines that generally target 65% to 75% of after-repair value. These safeguards help reduce certain risks but cannot eliminate defaults or losses.

A default may lead to foreclosure or another workout approach. Our senior loan position may give us remedies against the collateral, but the timing and amount of any recovery are uncertain, and the collateral may not be worth enough to prevent a loss.

As of August 31, 2026, the fund has had no investor principal losses and no suspended investor distributions since operations began in 2020, and it has fulfilled eligible capital-return requests within 90 days. These statements reflect past experience, are subject to applicable fund terms, and do not guarantee future results or liquidity.

Our Investor Relations team can share more offering information, discuss eligibility, and walk you through reviewing the official documents. Submitting the form only expresses interest and does not obligate you to invest.

Accredited investors only

SEC REG D 506(c)

This offering is a SEC Reg D 506(c) and is open to accredited investors only.

Next step

Request the full offering memorandum.

Fill out the form and we'll send over the exclusive investment offering memorandum, along with fund performance details and current terms.

737-264-5119

Get the offering details

Important investment information

This page is for informational purposes only and isn't an offer to sell or a solicitation to buy any security. Any offer is made solely through the official offering documents, which govern eligibility, terms, fees, liquidity provisions, and risk. This Rule 506(c) offering is available only to verified accredited investors. Real estate lending carries real risk, including illiquidity and possible loss of principal. Preferred returns, distributions, and fund performance are never guaranteed, and past performance doesn't predict future results. Review the full offering documents and consult your own financial, legal, and tax advisors before investing.