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Secured Income Fund PDF
Secured Income Fund PDF
Secured Income Fund PDF
Executive Summary
Our organization operates as a private real estate lending entity, specializing in providing capital for real estate acquisitions and
refinancing endeavors executed by investors. Through our services, we provide access to capital for real estate investors by
extending mortgage solutions that are secured by individual properties. Our operational footprint spans across the entire nation,
and we distinguish ourselves by adhering to conservative lending principles. Specifically, our lending practices are characterized by
a stringent loan-to-value (LTV) criteria, where the maximum capital lent for each property is capped at 70% of its value. Moreover,
our lending portfolio will estimate an average LTV of approximately 63%, a measure that engenders a robust layer of security for us
as a lending institution and our investment partners.
Our primary revenue stream materializes on a monthly basis through mortgage payments by borrowers. To ensure seamless
financial management, reconciliation, and service administration, we have established a strategic partnership with FCI, a reputable
servicing partner for over 40 years, headquartered in Irvine, CA.
The focal point of our lending portfolio will be comprised of, "bridge" loans. These financial instruments exhibit a maximum term of
24 months. Upon reaching maturity, our borrowers are presented with the imperative to undertake one of two options: they may opt
to refinance the subject property through an alternate lender, or alternatively, proceed with the sale of the property. Notably, our
involvement in any given loan arrangement is characterized by a predetermined duration that does not extend beyond 24 months.
Our organization will play a pivotal role in the real estate investment landscape by providing essential capital infusion, underpinned
by stringent criteria and prudent risk management practices. Our commitment to these principles, coupled with strategic
partnerships and a focus on short-term lending solutions, underscores our value proposition for our investment partners.
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Market Opportunity
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Company Trajectory
Currently, we are experiencing an average influx of 12
fundable loans every month, with each loan amount
averaging around $400,000. This translates to a
cumulative monthly volume of $4.8 million. Looking
ahead, we have strategic plans to deploy a total
capital sum of $50 million annually, distributed across
a portfolio of over 130 individual loans.
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FCI Services the monthly
loan to borrower.
Originator sends file to
3 6350
review.
Capital for
7
Collects payments and
distributes to 6350
Capital Group monthly.
5 company at 125% of
value for insurance. 9 principal investment
back.
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Compelling Investment Considerations
10%
Investing in real estate debt funds, Private debt funds that focus on bridge By providing loans for short-term
especially during turbulent and lending tend to be relatively more projects with tangible assets as
uncertain economic times, is a common conservative in their underwriting collateral.
strategy for investors seeking security, approach compared to other real
cash flow and high yield returns. estate debt funds. More security, less
exposure.
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Higher Interest Rate Leads to higher cost of capital
for us but will also enable us to
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Having loaned 63% on average of
the property’s current value,
there is built-in protection from
downward pricing. In our worst
case downside scenario, the
Market Strategy borrower defaults on the loan,
we foreclose and liquidate the
asset at an expected profit or
break even.
63%
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Recent Fundable Loans Received
Reno, NV Boise, ID
Acquisition Purchase
Investor, SFR, rental property Investor-Triplex
$424K, 42% LTV $397K, 68% LTV
13% APR, 1st lien, due in 24 mo. 13.25% APR, 1st lien, due in 24 mo.
Sacramento, CA Denver, CO
Refinance Purchase
Investor-SFR, rental property Investor-Duplex
$567K, 57% LTV $468K , 61% LTV
12.85% APR, 1st lien, due in 24 mo. 13% APR, 1st lien, due in 24 mo.
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Founder
Jamie Moore, contributes a wealth of expertise in the real estate sector, encompassing a
tenure of over 20 years. From 2002 onwards, he has orchestrated transactions exceeding
a cumulative value of $1.5 billion, entailing the acquisition of over 234 properties spanning
across 24 states. His acumen extends across a diverse array of domains, including loan
structuring, development initiatives, portfolio acquisitions, and the revitalization of
commercial and luxury properties. His impact has resonated within Southern
California, Lake Tahoe, and Sun Valley, ID.
Outside the realm of work, Jamie's passions take him to the early morning peaks of Sun
Valley, ID, where he engages in climbing and skiing endeavors. This picturesque locale
serves as his home, where he resides alongside his wife and two children. Jamie's
distinctive blend of professional prowess and personal pursuits exemplify his
multifaceted dedication and contributions to both the real estate industry and his
cherished pursuits beyond the professional sphere.
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Organization
Jamie Moore Craig Berger Justin Mitchell Joe Hess Gary Stern
Founder & CEO Advisor, CEO, Avid Advisor, CEO, Real Business Development, Legal Council
Realty Partners World Asset Group CEO, C9 Advisors
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Partners
Underwriting and loan Processing Investor CRM Management Loan Servicing Accounting
and Distributions ACH
This team is responsible for GP Flow gives you one FCI Lender Services, Inc. Miller Kaplan has been helping
the underwriting and digital platform that (FCI) is a leading national organizations and individuals create the
processing of each loan. They integrates front, middle and Non-QM and Private Money value they are looking for, by delivering
are comprised of several back-office functionality. Servicer providing a variety quality in Assurance, Tax and Advisory
individuals that possess deep You have control of the full of services for Lenders, and services..
industry expertise in the lifecycle, including vehicle one of the nation's oldest
mortgage industry. creation and distribution, Specialty Loan Servicers.
and can radically simplify FCI is based in Irvine, CA
your investors’ journey. and services over 72,000
loans for a variety of banks
and private lenders. .
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Fund
We offer a range of
funds that cater to
different investment
objectives, risk profiles,
and time horizons.
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