Private Portfolio Lending
Strategy
How it works
How it works
EMAC Mortgage Fund LLC. 1 inception: 2018
EMAC created this Private Capital Fund to give individual investors the opportunity to participate in high-yield real estate-secured investments.
The fund consists of primarily firsts with some second trust deeds on residential and commercial properties of which a majority are in California.
The Fund Underwrites all loans with the highest regards to collateral value, transaction type, borrower credit and title insurance. All loans are serviced with property taxes and insurance tracked for payment.
The last 4 years the Fund has paid investors over 8% in the lowest interest rate period in
decades. We expect returns to increase nicely over the coming quarters.
How it works
How it works
How it works
The majority of the portfolio is secured by California real estate, with all loans subject to our proven underwriting guidelines:
- Ensure that there is sufficient equity in the underlying property
- Ensure that our borrowers are financially able to make their loan payments
- Identify our borrowers’ exit strategies in advance
- Perform thorough internal appraisal and review of property
- Secure stable yield for fund investors
- Cross-collateralize when possible for additional security
- Emphasize income producing properties that generate positive cash flow
- Avoid overexposure to a single borrower
- Remain sensitive to average loan amounts relative to the overall value of fund
Benefits
How it works
Benefits
- High yields.
- Intra-fund diversification to minimize overall portfolio risk.
- Safe positions in equity-strong properties.
- Choice between income or compounding distribution.
- Qualification for 401K, IRA, and pension plans.
- Professional full-service account management with independent annual account audits.