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Invest with Us

Investing in one of our projects produces a safe and reliable income stream, backed by an underlying property in which we invested and hold a 1st position lien. All investments earn a fixed cashflow from day 1, and are paid out monthly.Fix & flip investments are short-term (6-18 months). Upon maturity when the property is sold or refinanced, 100% of the investment is paid back. Investors have the opportunity to reinvest the proceeds into another projects at that time.Rental investments are long-term (3-5 years minimum). Investment terms are always defined upfront.Investing with us is by invitation only. Request an invitation today.

What is Private Lending?

Private lending refers to home loans that are provided by an individual or private entity rather than a traditional financial institution, such as a bank or credit union. Private lending is also known as "private mortgages" or "hard money loans."Key features of private lending include:1) Individual or Private Entity Lenders: Private lending typically involves individual investor, a private investment firm, or another non-bank entity. This is in contrast to traditional mortgages where banks are the primary lenders.2) Flexible Terms: Private lending arrangements often offer more flexibility in terms of loan terms and conditions compared to traditional banks. The terms of a loan, including interest rates, repayment schedules, and other conditions, are negotiated directly between the borrower and the lender.3) Collateral or Security: Private lenders require collateral or some form of security to mitigate the risk of lending in case the borrower fails to repay the loan. Typically, the loan is secured by the property being financed, but other collateral arrangements may be considered.4) Quick Approval and Funding: Private lenders may offer a quicker approval and funding process compared to traditional lenders. This can be advantageous for borrowers who need fast access to financing, such as real estate investors looking to secure funding quickly.5) Higher Interest Rates: Private loans often come with higher interest rates compared to traditional mortgages. This reflects the higher risk undertaken by the private lender, as well as the convenience and flexibility provided to the borrower.6) Credit History Considerations: Private lenders may be more willing to work with borrowers who have less-than-perfect credit histories. They often focus more on the value of the collateral and the potential profitability of the investment.7) Real Estate Investment: Private lenders are commonly used in real estate transactions, particularly for investors involved in fix-and-flip projects or those who need short-term financing for property acquisition and/or rehabilitation.Private lending can be a viable alternative for individuals or businesses that may face challenges obtaining loans from traditional financial institutions due to factors such as credit history, business performance, or the nature of the loan. However, both lenders and borrowers should carefully consider and document the terms of the loan to avoid misunderstandings and conflicts. Legal and financial advice is often recommended to ensure that the private lending arrangement is structured appropriately and complies with relevant regulations.

Who is Private Lending For?

Private Lending serves two core audiences:1) Real Estate Investors looking to build generational wealth through real estate.
Private lending is commonly used in real estate transactions where an investor may need fast approval and funding, flexible terms or repayment schedules, or a customized loan structure to fit their unique circumstance. Unique or unconventional projects typically pose challenges to traditional lenders and their strict underwriting criteria. Private lenders are often more open to providing funding for projects that don't fit within the traditional lending parameters.2) Non-W2 / Self-Employed Individuals who aspire to purchase or refinance a home.
Individuals who are non-W2 employees or self-employed may face challenges when trying to acquire a mortgage through traditional lenders, such as banks or credit unions. Traditional lenders often rely on stable income documentation and employment records, which can be more straightforward for W-2 employees. Here are some reasons why non-W2 or self-employed individuals may encounter difficulties securing a loan from a traditional lender:

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