Secured Investments vs. Unsecured Investments

Secured Investments Unsecured Investments
Tied to a specific property as collateral Tied to a specific
property

Typically documented with a promissory
note and security instrument (mortgage)

Documented with a
promissory note only
Generally lower interest rates Generally higher
interest rates

Capital is protected by real estate value Capital is supported by
company performance

Frequently Asked Questions

Minimum investment amount
Minimum investment amounts vary by project. Most opportunities start around
$50,000, depending on the size, scope, and capital needs of the specific
property.
Typical interest rates
Interest rates vary by project, loan structure, and market conditions. Historically,
our private-money loans have generally ranged between 8%–12% annually, with
specific terms outlined in each individual agreement.
How interest is paid (at sale of project)
Interest is paid in a lump sum at loan payoff after the property has sold. We
provide ongoing communication throughout the listing and selling process so
investors have a clear expectation of timing and estimated payoff dates. This
transparency also allows investors to plan for reinvestment into upcoming
projects.
Reporting & communication updates
Investors receive monthly update emails for each active loan, outlining project
progress, estimated timelines, and interest accrued to date. Once a property is
under contract, we provide an estimated payoff update based on the anticipated
closing date. A final confirmation is sent once closing is scheduled so investors
know exactly when to expect their payoff.
What happens if a project is completed sooner than expected or turns into a wholesale
deal?
In some cases, a project may be sold sooner than originally planned, including
situations where it transitions from a flip to a wholesale transaction. Our
promissory notes include a 90-day minimum interest provision, which means that
if a loan is paid off before 90 days, investors still receive interest equivalent to a
full 90-day period. This ensures investors are compensated fairly even when
projects conclude earlier than anticipated.
What happens if a project takes longer than planned?
While we work to keep projects on schedule, timelines can occasionally shift due
to construction, permitting, or market conditions. In these cases, interest
continues to accrue according to the terms of the promissory note, and investors
are kept informed through regular updates until the loan is paid in full.

Tax documentation provided
Investors receive a 1099-INT issued by our accounting group, which is mailed to
the address on file for use in annual tax reporting.

Our Process

Introductory call and Q&A
We start with a brief call or meeting to understand an investor’s goals, preferred
structure, and timeline, and to answer any initial questions.
Accreditation or suitability check (as applicable)
When required, we confirm investor suitability based on the specific opportunity
and structure being offered.

Funding logistics
Once terms are agreed upon, we coordinate execution of the promissory note
and funding details to ensure a smooth and timely transfer of funds. Wire
transfers are preferred, though checks can be accommodated depending on the
loan amount.

Project updates cadence
Investors receive consistent monthly updates on active projects, including
progress, estimated timelines, and interest accrued to date. On-site visits can
also be scheduled upon request for investors who would like to see project
progress in person.

Repayment and reinvestment options
At project completion, principal and interest are paid according to the promissory
note. Investors may choose to receive their payoff in full or reinvest by rolling
over either the original principal amount only or the entire payoff amount,
including interest earned, into a future project.

Next Steps

Contact information
For questions or additional information, please contact:
Diego Lopez
Phone: (574) 265-7711
Email: diego.r.lopez@wmich.edu
How to be notified of upcoming deals
Investors who wish to be considered for future opportunities can opt in to receive deal
notifications as projects become available. To be added, simply contact:
Ericka McCammack
Phone: (574) 551-1573
Email: selltoavodah@gmail.com
Scheduling a call / meeting link
Introductory calls or follow-up meetings can be scheduled upon request to review
upcoming opportunities, discuss reinvestment options, or answer any additional
questions.