Earn 8–12% annual returns secured by real estate — without owning a single property, screening a single tenant, or fixing a single toilet. Your capital works. I do the rest.
You get the upside of real estate returns without the operational headache. I bring the deals, the team, and the track record — you bring the capital.
Your capital is backed by a first-lien position on an actual property — not a stock certificate or a promise.
Earn consistent, predictable interest that beats the market without riding its volatility.
No tenants, no toilets, no 2 AM phone calls. You fund the deal, I do the work, you collect the interest.
Fill out the application below. I personally review every one within 48 hours — no auto-responders.
If you're a fit, we get on a call and I walk you through a real deal in my pipeline — the numbers, the security, the exit strategy.
You commit capital, get placed in first lien position, and start earning interest. I handle everything else.
I don't just talk about deals — I close them. When you lend into my pipeline, you're backing a operator with a real track record, real properties, and real math behind every number. You'll see the deals, the addresses, and the returns before you ever wire a dollar.
Typically $50,000. Some deals allow smaller commitments if you're co-lending alongside others.
Most deals are 6–12 months for rehab projects, or 1–5 years for rental holds. You'll know the exact term before you commit a dollar.
You're in first lien position — meaning if anything goes wrong, you have the legal right to take the property back and recover your capital. That's the entire point of being the bank.
Not always, but it helps. We'll discuss your specific situation on the call and find the right fit for your goals.
Interest is paid monthly or at deal maturity — your choice, spelled out in the note before you fund. Most lenders opt for monthly direct deposits. You'll see the exact payment schedule in the term sheet before committing.
Every deal is closed at a title company with a recorded mortgage (or deed of trust) naming you as the lender, a promissory note, and a lender's title insurance policy. You get copies of everything. Your lien is a matter of public record.
Always. I bring my own cash to every deal alongside yours — typically 10–20% of the purchase price — so if the property loses value, my capital is the first to go, not yours. I don't structure deals where the lender carries all the risk.
Yes. On our call I'll walk you through closed deals with real addresses, purchase prices, rehab costs, and final sale prices or refinance amounts. I'll also connect you with a current private lender who can tell you what it's actually like working with me.
I keep LTV at 70% or below on most deals — meaning if a property is worth $100,000, the loan stays under $70,000. That cushion is your margin of safety. If I ever default, you can take the property back and sell it for more than you're owed.
I structure deals with flexibility in mind. If you need out early, I'll work to refinance or replace your position — and in most cases I can bring in another lender to buy you out. I'd rather keep a partner than trap their money.
I buy distressed properties off-market in St. Louis — direct from owners, through wholesalers, and at auction — at prices low enough that the rehab and resale (or refinance) math works. The returns come from buying right, not from risky speculation.
A licensed title company or real estate attorney handles every closing, just like a traditional bank mortgage. They prepare the documents, disburse the funds, record your lien, and issue title insurance. You never wire money to me directly — it goes to the escrow account.
I only take on a handful of private lenders per deal. Fill out the application below and I'll personally review it within 48 hours.
Nothing on this page constitutes investment advice or an offer to sell securities. Private lending involves risk; returns are not guaranteed. All deals are reviewed individually and structured with appropriate legal documentation.