A borrower had owned a valuable commercial parcel since 2013 and faced a recent financial setback and needed short-term liquidity to pursue a new property opportunity. The borrower needed a flexible, fast-moving lender that could underwrite based on asset value and a clear exit...
A real estate investor and business owner needed financing to complete a value-add project in the Little Italy section of downtown San Diego. The reconfiguration of three existing residential units into five rental units within a mixed-use property. The borrower sought a lender that could offer...
A close family member of a long-time Fidelis client needed short-term financing to purchase and renovate a single-family home in Carlsbad, CA. Though structurally sound, the property required significant updates to maximize its market potential and achieve a profitable resale within a tight...
An experienced developer with a strong design-build track record sought financing to renovate and activate a large-scale hospitality property in Julian, CA. Although the property was acquired for $1.95M in cash, the borrower required capital to complete significant improvements that would...
Diversification is one of the most well-known tools for managing investment risk — yet many investors overlook how crucial it is within a specific fund, not just across asset classes. At Fidelis Private Fund, we believe that how a mortgage fund manages internal diversification can be just as...
Real estate development moves fast, and in a competitive market, securing financing quickly can make or break a deal. Traditional bank loans, while offering lower interest rates, often come with long approval timelines, rigid underwriting, and excessive documentation requirements. That’s why an...
Understanding the Relationship Between Inflation and Private Lending Inflation influences nearly every sector of the economy, and private lending is no exception. As the cost of goods and services rises, so do interest rates, borrowing costs, and overall investment dynamics. For private lenders...
Understanding the Relationship Between Interest Rates and Mortgage Funds Interest rates play a pivotal role in shaping the performance of mortgage funds. As economic conditions fluctuate, central banks adjust rates to either stimulate growth or control inflation. For mortgage fund investors...
When it comes to real estate investing, speed, flexibility, and strategic growth are the three pillars of success. While traditional banks and financial institutions may offer lower interest rates, their rigid requirements, lengthy approval processes, and stringent underwriting can slow down an...
Whether you’re a seasoned developer or a first-time investor, securing funding quickly and on your terms can be the difference between seizing a golden opportunity or watching it slip away. That’s where private lending shines. Unlike traditional bank loans, which often involve extensive...
Understanding Real Estate Debt and Equity Investments Real estate investors often debate whether debt or equity investments offer better stability, particularly during economic downturns. Each strategy presents unique advantages and risks, making understanding how they perform in recessionary...
An experienced investor needed fast and flexible financing to acquire a prime commercial/industrial property in Temecula. The borrower pledged additional owned assets to provide extra leverage, requiring a short-term solution to complete the acquisition quickly.
How Bridge Loans Help You Secure Profitable Deals Before They Slip Away In the context of real estate investment, speed and flexibility are crucial for securing profitable opportunities before they disappear. Traditional financing options, such as bank loans, are often bogged down by lengthy...
A Fidelis investor needed to close quickly on a new residential property purchase in Arizona but had most of their liquidity tied up in another single family residence that had not yet sold. Due to timing, conventional financing was not feasible, so the investor needed a short-term solution...
Understanding Economic Cycles and Their Impact on Private Lending The private lending industry, including Fidelis Private Fund, is deeply intertwined with economic cycles, as shifting market conditions influence mortgage fund yields, investment strategies, and borrower demand. While regulatory...
As the real estate environment shifts quickly, waiting on a bank’s lengthy approval process can mean losing out on prime investment opportunities. Traditional lenders often impose rigid requirements, slow decision-making, and inflexible terms that can stall progress. This is where private...
A repeat borrower needed financing to unlock value in a residential property located in Point Loma overlooking the bay and the City of San Diego. With a first mortgage already in place, the borrower requested funds in 2nd position to do a complete remodel and add more usable square feet.
The Shift Toward Stability in Uncertain Markets Institutional investors constantly seek asset classes that offer stable returns with lower volatility. According to a recent Institutional Investor report, alternative investments like mortgage funds have seen a 20% increase in institutional...
An experienced real estate investor with a strong local track record needed financing to complete a nearly finished multi-unit residential project. The borrower funded out of pocket 100% of the construction costs and owns the property free and clear, but requested remaining funds to complete the...
In real estate development, speed is more than just a convenience—it’s a competitive edge. Delays in financing can mean missed opportunities, lost profits, and stalled projects. Traditional lenders often impose lengthy approval processes, rigid requirements, and bureaucratic red tape that can...
