WE CONNECT

BORROWERS
& INVESTORS

We bring together capital from global investors and put it to work with experienced house flippers and land entrepreneurs creating real impact on the ground. House flippers take neglected properties and turn them into quality homes, adding to local housing supply and raising the bar for entire neighborhoods. Land flippers identify underutilized rural acres and transform them into residential lots, recreational properties, solar projects, and more. We know how to navigate the market, structure deals, and make sure investors, borrowers, and end buyers all come out ahead.

Abstract Fluid Shape

Borrowers

Check Out Our Services

Real estate loans
with fast approvals

Our Offering

  • No credit checks
  • No personal guarantee
  • Fast review and closing
  • Minimal or no downpayment
  • No prepayment penalty

Loan Terms

  • 12%-15% interest rate
  • 2-3 points origination fee
  • $300 document fee
  • First-position lien
  • Up to 12 months interest-only

Main Requirements

  • At least 2 completed flips
  • Broker's comps
  • Soil tests for residential land
  • Renovation budget for house flips
  • Minimum $50,000 loan

Having completed dozens of house and land flips ourselves, we understand what matters most and structure our process to be efficient, responsive, and borrower-friendly.

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Investors

How we Work

The Idea

Our founder began investing personal capital into private loans in 2021 to generate steady income between other real estate projects. What started as a side strategy quickly proved to be the most consistent and reliable source of high-yield passive returns (insulated from both stock and housing market cycles). After 5 years, 46 loans, millions deployed, and zero foreclosures, we are now opening this strategy to outside investors.1

The Mechanics

Investors pool their capital into a single fund, which is deployed across a diversified portfolio of short-term real estate loans. This diversification helps reduce risk, as returns are generated from many loans rather than any single deal. The loans are typically one-year in duration and secured by properties valued at a minimum of 120% (and often up to 200%) of the loan amount. All interest collected, net of operating costs, is distributed to investors on a quarterly basis, with a target annual return of 10–12%.2

Our Borrowers

House flippers: companies that acquire, renovate, and resell residential properties. Our loans typically cover both purchase and renovation costs and are secured by a first-position lien, with the property value maintained above the loan principal at all times.

Land flippers: operators who acquire land at a discount and quickly resell below market value. In select cases, limited competition among lenders allows us to participate in higher-return equity opportunities alongside financing larger transactions.

Checks in place

Risk mitigation is built into every layer of our strategy, with multiple safeguards designed to protect investor capital:

  • First-priority, publicly recorded liens on all properties.
  • Each deal is carefully vetted, with both properties and borrowers selected under strict underwriting standards.
  • U.S.-based assets with completed title searches and active title insurance.
  • Comprehensive coverage, including homeowners, liability, and flood insurance when needed.
  • Strong alignment of incentives, with the founder/manager maintaining significant personal capital in the company and no management fees charged.

Team

Check Out Our Team

Tigran Kalaydzhyan

Founder | Manager

Former NASA scientist with a decade of experience and Wall Street quant managing strategies for a $5B equity portfolio. Tigran has since built and operated his own real estate portfolio (flipping homes, managing rentals, and closing 100+ profitable transactions) bringing institutional discipline and hands-on expertise to private lending.

Lydia Bundy

Business Development

Licensed Texas real estate professional with five-plus years in property valuation, negotiations and transaction guidance. Lydia drives business development by building relationships with borrowers, investors, and other real estate professionals, backed by multilingual fluency and a sharp eye for local market dynamics.

Have a question? Check out the FAQ

If you don't see your question here, contact us anytime!

In what states do you offer loans?

All U.S. states except CA, AZ, NV, ND, SD, VT.

How is the company structured and how is it taxed?

The company is structured as a manager-managed, multi-member LLC, with investors participating as members. For tax purposes, the LLC is treated as a partnership, meaning the company itself does not pay taxes at the entity level. Instead, all income is passed through to the members. Each investor receives an annual Schedule K-1 detailing their share of income, which is then reported on their individual tax return.

What are the taxes for non-U.S. investors?

Non-U.S. investors are required to obtain an Individual Taxpayer Identification Number (ITIN) and file a U.S. tax return, as the income from the company is classified as Effectively Connected Income (ECI). In cases where the investor resides in a country without a tax treaty with the United States, the manager is required to withhold up to 37% of the investor’s allocated income. A portion—or in many cases most—of this withholding may be recovered after the investor files their U.S. tax return with the IRS.

Is the return on investment guaranteed?

No - the returns are not guaranteed. While we target consistent, high-yield income through a diversified portfolio of secured real estate loans, all investments carry risk. Our strategy is designed to mitigate that risk through conservative underwriting, strong collateral coverage, and diversification across multiple loans, but actual returns may vary depending on market conditions and borrower performance.

Can I pay with crypto or from my company's bank account?

At this moment, we do not accept crypto. The name on the bank account should be identical to the name in your subscription agreement.

Do you originate all of your loans?

We originate the vast majority of our loans directly. In select cases, we may also acquire loans (notes) from third parties, when they meet our underwriting standards. Additionally, we may participate in equity structures alongside borrowers when it aligns with investor interests. Historically, some of our most profitable transactions have come from such equity-based deals.

Contact

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U.S. Investors: All U.S.-based investors must be accredited under SEC rules — meaning an individual with annual income over $200,000 (or $300,000 jointly with a spouse) in each of the last two years, or a net worth exceeding $1 million excluding their primary residence. Verification of accredited status will be required prior to investment.3