Private Lending
Your money earns 9%.
Real estate backs it.
We pay a fixed 9% annualized rate secured by a first lien on the property. Short terms, predictable returns, no market exposure.
The case for private lending
Better than a CD. More predictable than the market.
Most alternatives force a tradeoff: safe but low, or high but volatile. Private real estate lending sits in between — fixed rate, asset-backed, short duration.
High-yield CD
~4.5%
Safe — but your money earns half as much and sits locked in a bank with no real asset behind it.
10-yr Treasury
~4.4%
Reliable — but low yield and a 10-year commitment. Private lending gets you in and out in months.
S&P 500 (avg)
7–10%
Long-term average — but that range swings wildly year to year. In any 5-month window you could gain or lose 15–20%. You can't time it.
Private loan to us
9%
Fixed rate. First lien on real property. You know exactly what you earn on day one — regardless of what the market does.
Returns calculator
See what your money earns.
Adjust the loan amount and term. We do the rest.
You earn
$3,750
in 5 months · 9% annualized
How that compares
| Private loan (9%) | $3,750 | You |
| S&P 500 (7–10% avg) | $2,917 – $4,208 | No guarantee — could lose $15K+ |
| High-yield CD (4.5%) | $1,875 | $1,875 less |
| 10-yr Treasury (4.4%) | $1,833 | $1,917 less |
S&P 500 figure uses 7% — a conservative long-run estimate after inflation. Actual annual returns range widely and can be significantly negative in any given year.
The process
How it works, start to finish.
We find a deal and underwrite it.
Before we ever bring a loan to a private lender, the numbers are locked. We confirm the purchase price, estimated rehab cost, and after-repair value using comparable sales. We only proceed when the deal clears our conservative criteria.
You review the deal and fund the loan.
We share the deal summary — address, purchase price, ARV, LTV, and projected timeline. You decide whether it fits. If you're in, you wire funds at closing. A promissory note and mortgage are recorded, securing your lien on the property.
We execute. You earn interest.
We manage the project. You receive your principal plus all accrued interest as a lump sum at payoff when the deal closes. We keep you updated on project milestones and any material changes to timeline.
Deal closes. You get fully repaid.
When the property sells or refinances, your principal plus all accrued interest is repaid in full at closing. The mortgage is released. Your money is free for the next opportunity — ours or elsewhere.
Real-world example
What a deal actually looks like.
Here's a representative deal — the numbers are realistic for what we underwrite in the Milwaukee market.
The property
Milwaukee duplex, south side
Purchase price
$85,000
Rehab budget
$38,000
After-repair value (ARV)
$185,000
Private loan amount
$120,000 70% LTV
Month 0 — Closing day
You wire $120,000. Deed of trust recorded. Project begins.
Months 1–5 — Active rehab
We manage contractors and the renovation. Monthly interest accrues at 9% annualized.
Month 5 — Property sells
You receive $124,500 — your $120,000 principal plus $4,500 in interest. Lien released. Done.
Your return
$4,500
on a $120,000 loan over 5 months
How your money is protected
The deal structure is built around your security.
First lien position
Your loan is recorded as a mortgage in first position — the same security a bank holds on a mortgage. If the deal fails to perform, you have a legal claim on the property before anyone else.
Maximum 70% LTV
We never borrow more than 70% of the property's after-repair value. Even if the property sells below ARV, there's substantial equity cushion protecting your principal.
We stand behind every deal.
This isn't a faceless LLC transaction. Bryant and Josh are personally invested in every loan — we put our own reputation and balance sheet on the line alongside yours.
Insurance & title
Every property is insured with a policy that names you as additional insured. A full title search is completed at closing so there are no hidden liens or encumbrances.
Who you're lending to
Conservative operators, not speculators.
Bryant and Josh are Milwaukee-based real estate investors with 10 years of combined experience. Between us, we own and manage 12 rental doors. We're not chase-the-flip wholesalers — we're buy-and-hold operators who only take on deals when the numbers are locked.
This is our first time structuring private lending — which means you get institutional-level protections (first lien, 70% LTV, personal guarantee) without the institutional overhead. The deal structure protects you regardless of our flip track record, and our conservative underwriting means we only bring deals we'd stake our own money on. We do.
Lending terms
Simple, transparent, no points.
Interest rate
9% annualized, simple interest
Origination points
None
Loan terms
4–6 months typical
Minimum loan
$50,000
Security
Promissory note + first mortgage
Max LTV
70% of after-repair value
Interest payments
Lump sum at payoff
Tax reporting
1099-INT issued annually
Questions
Common questions.
What happens if the deal falls through or the property doesn't sell?
Your first lien gives you a legal claim on the property. In the worst case, we work with you to either sell the property or refinance into a longer-term loan to recover your principal and interest. Our 70% max LTV means there's significant equity buffer before your principal is at risk.
What is LTV and how does it protect me?
LTV stands for loan-to-value — it's the ratio of the loan amount to the property's value. We use after-repair value (ARV), meaning the estimated value of the property once renovations are complete. At 70% LTV, if a property has an ARV of $200,000, the maximum we'd borrow is $140,000. That $60,000 gap is equity cushion that protects your principal. Even if the property sells for less than expected, there's a significant buffer before your money is at risk. Most institutional hard money lenders operate at 65–75% LTV — we sit in the conservative middle of that range.
Do I need to be an accredited investor?
Because we're lending to people we have a pre-existing relationship with, there's no securities registration required. We'll discuss the structure with you — and you should have your own attorney review the loan documents before funding.
What's the minimum I can lend?
$50,000. This allows us to structure clean, properly documented loans without overhead that eats into your returns.
How do I get my money back at the end?
Your principal plus accrued interest is wired to you at closing when the property sells or refinances. We'll give you advance notice of the projected payoff date once a buyer is under contract.
How is the interest taxed?
Interest income from private loans is taxed as ordinary income. We'll issue a 1099-INT at year end. Consult your tax advisor about your specific situation.
Can I lend on multiple deals?
Yes. Once you're comfortable with the process, you can participate in multiple loans simultaneously — provided each deal meets our underwriting criteria. We'll walk you through each one before you commit.
Get started
Interested in lending?
Tell us a bit about yourself and how much you're considering. We'll schedule a short call to walk through the details, answer questions, and share the next available deal when the time comes.
No pressure, no commitment. Just a conversation.