The minimum is $10,000. That said, many of our lenders invest $50,000–$100,000+, depending on the deal type and the total capital need for that project.

Returns vary by deal type, term length and structure, and are set out in each deal's documents. Past results do not guarantee future returns.

Payments are typically interest-only, and we structure the schedule around what’s the right fit for you and the deal — monthly, quarterly, annually, or as a lump sum at the end of the term.

Funds can be sent by check, direct deposit, or wire transfer where appropriate, based on your preference.

Self-directed IRAs and some other retirement accounts can often be used for real estate lending. We can refer you to a self-directed IRA custodian we work with to help with setup, and we recommend consulting them and your tax advisor before using retirement funds.

This is a partnership, and like any partnership, it starts with a mutual commitment. When we agree to terms, we're committing to hold up our end for the agreed-upon timeline — and we ask the same of you. That's why it matters that you review all terms and timelines closely before funding a deal, and confirm for yourself that the term works with your own plans, not just ours.

If you have a specific anticipated need or timeline going in, tell us up front — before funds are lent — so we can structure the deal around it together. Funds are intended to stay in place for the full term, and that term is something we decide together from the start, not something either side adjusts unilaterally once we're underway.

That said, we understand emergencies happen. If a genuine need arises, we'll work diligently to replace your funds as quickly as possible with another lender from our network — and fortunately, we routinely have interest from both current and new investors ready to step in.

Every deal we fund is documented before money moves. Depending on the structure of the specific deal, your capital is typically secured by a combination of the following:

A promissory note — a legally binding document spelling out the loan amount, interest rate, payment terms, and what happens in the event of default.

A mortgage or security deed against the property — this places a recorded lien on the real estate itself, so your position is tied directly to a physical asset, not just a promise to pay.

A personal guarantee — in many deals, we personally guarantee the note, meaning your capital isn’t only backed by the property — it’s backed by us as individuals.

We walk every capital partner through the exact documents and protections tied to their specific deal before any funds are deployed, so there are no surprises after the fact. All real estate lending involves risk, including possible loss of principal.

If a deal doesn’t go as planned, the instruments in place are what give you a defined path forward — whether that’s a restructured payment plan, a negotiated resolution, or, if necessary, enforcement of the lien against the property.

Before any funds are deployed, we walk you through the specific documents tied to your deal so you understand exactly what protections are in place and what the process would look like if something changes mid-stream.

You're partnering with an operator, not a passive fund manager. Over 10 years investing and operating in real estate, with hands-on experience across fix-and-flip, co-living, creative finance, and commercial acquisitions. A licensed contractor background means renovation and construction risk is managed by someone who's actually done the work, not outsourced blind. Past partnerships have included co-managing 400+ units, on top of the 50+ transactions completed under our own portfolio. We also serve as Regional Leader for North Dakota and South Dakota in the Subto real estate investor community, and are a founding member of the Owner's Club — a 500+ member network of high-level operators who share resources and co-own businesses together across technology, title & escrow, and online marketing platforms. Being embedded in a network like this means access to deeper expertise, faster problem-solving, and stronger deal partners — all of which directly benefits how your investment is managed.

Visit our Co-living page here.

Whether you know you want to do something, just curious, or are completely unsure,

FILL OUT the brief Capital Partner form here NOW.

We will assess and follow-up with an short, time convenient scheduled call to identify your goals and determine if a potential fit. If nothing else, hopefully we can educate and point you in a good direction!