Invest Like the Banks Do
Finance real estate operations in Florida with first-lien mortgage. 8-10% annual rate, monthly interest, protected capital.
Key Benefits
8-10% annual rate
Predictable returns that outperform traditional alternatives like CDs and treasury bonds.
~12 month term
Short-term operations. Get your capital back at maturity.
First-lien mortgage
Your investment is backed by a real asset — a professionally appraised Florida property.
Monthly payments
Receive interest every month from day one. Real cash flow, not promises.
How your investment works
Three simple steps. No surprises, no fine print.
Choose how much to invest
We discuss your available capital, your preferred term, and the return level you're looking for. There's no fixed minimum — we work with investments starting at USD 50,000.
Review complete documentation
Before investing, you review all deal documentation: property appraisal, clean title, insurance policy, borrower analysis, and exact loan terms. You decide if the deal works for you.
Collect interest every month
Once the deal closes, you start receiving monthly interest payments. At maturity, you get your full capital back. Your investment is backed by a first-lien mortgage throughout the entire process.
Concrete investment example
Here's how a typical 12-month private loan works for an investor.
Monthly flow
$800
Monthly interest
Frequency: Every month
Total interest: $9,600
Return: ~9.6% effective
At maturity
$100,000
Capital return
Total received: $109,600
Net profit: $9,600
Collateral: Property appraised at $143K
How does it compare to other investments?
Higher returns than traditional instruments, with the predictability of monthly cash flow and the backing of a tangible asset.
| Instrument | Annual rate | Risk | Collateral | Cash flow |
|---|---|---|---|---|
| Bank CD 12M | ~4.1% | Very low | FDIC insured | At maturity |
| High-Yield Savings | ~3.3% | Very low | FDIC insured | Monthly |
| Treasury 10Y | ~4.7% | Very low | US Government | Semi-annual |
| Private Loan | ~9.6% | Medium | Real estate (1st lien) | Monthly |
| S&P 500 (10Y avg.) | ~14.8% | High | None | Variable |
300+
Loans closed
$100M+
Capital managed
10+
Years of experience
150+
Active investors
Frequently Asked Questions
What investors ask most before getting started.
It's a loan provided by private investors (not banks) to finance real estate deals. As an investor, you lend the money and collect monthly interest, with the property as collateral through a first-lien mortgage.
We work with investments starting at USD 50,000. There's no maximum — capital is allocated to one or more deals based on your profile and availability.
Each loan has a first-lien mortgage on a Florida property. If the borrower defaults, you can foreclose and recover your capital. Additionally, the typical LTV is 65-75%, meaning the property is worth significantly more than the loan.
Interest is paid monthly, directly to your account. The typical rate is 8-10% annually, generating predictable and consistent cash flow from the first month.
The average term is 12 months, though it can range from 6 to 24 months depending on the deal type (bridge loan, fix & flip, construction). At maturity, you receive your full capital back.
Yes. Most of our investors are in Argentina and other Latin American countries. The process is designed for international investors, with clear documentation and personalized support in Spanish.
The main risks are borrower default, real estate market fluctuation, and capital illiquidity during the loan term. However, these are mitigated through conservative LTV (65-75%), first-lien mortgage position, rigorous due diligence, and title insurance.
Yes. You don't need a visa or residency to invest. You can do it three ways: through a Florida LLC (the most common), via an offshore entity, or even in your personal name. In all cases, you'll need a US bank account. The LLC can be set up remotely and only requires an EIN (tax ID number), obtainable without physical presence.
A bridge loan is short-term (6-12 months), ideal for quick acquisition or financing transitions, with rates of 9-12%. A DSCR loan is long-term (up to 30 years), based on the property's rental income, with lower rates. Each serves different investment strategies.
A judicial foreclosure process begins in Florida. As an investor, you hold a first-lien mortgage, giving you priority in repayment. The collateral (the property) backs your investment, and with a 65-75% LTV there's a significant protection margin.
There are no hidden fees for the investor. The net return communicated is what you receive. Origination points and closing costs are paid by the borrower. The entire fee structure is documented with full transparency before investing.
Typically 2-4 weeks. The process includes: deal review, document signing, loan funding, and the first interest payment is received the month following disbursement.
Ready to start investing?
Book a no-commitment consultation. I'll explain available deals and how everything works.