High yield investmentsYou should read our Prospectus for a more detailed discussion of our business and performance.

Our owners have invested money in our company, and we have retained some of the earnings we have made since our inception in 2007. We use the money invested in us and that we borrow to lend to builders for the purpose of building spec homes and/or developing lots

The builders pay us fees and interest which should exceed our cost to borrow the funds and losses we incur on some of these loans.

Our Chief Executive Officer, Daniel M. Wallach, has been in the housing industry since 1985.  He was the CFO of a multi-billion dollar supplier of building materials to home builders for eleven years.  He also was responsible for that company’s lending business for twenty years.  During those years, he was responsible for the creation and implementation of many secured lending programs to builders.  Some of these were done fully by that company, and some were done in partnership with banks.  In general, the creation of all loans, and the resolution of defaulted loans, was his responsibility whether the loans were company loans or loans in partnership with banks.  Through these programs, he was responsible for the creation of approximately $2,000,000,000 in loans which generated interest spread after deducting for loan losses of approximately $50,000,000. Through the years, he managed the development of systems for reducing and managing the risks and losses on defaulted loans.  Mr. Wallach also was responsible for that company’s unsecured debt to builders, which reached over $300,000,000 at its peak.  He also gained experience in securing defaulted unsecured debt at that company.

As an added benefit to your investment, we give you the opportunity to give any percent of your interest to charity, a (501(c(3))), which we will send in your name.

We will match your charitable contribution (up to 10% of your interest) to almost any charity.

Our Prospectus outlines the specifics of how we borrow money in our “Note” program, which allows you to invest for short to medium durations at fixed returns.