By John P. Lloyd, CEO, President & Co-founder There is a specific kind of anxiety that comes with investing in private credit. It isn’t usually about the yield—the numbers on the page often look attractive. The anxiety sits deeper. It is the worry about deployment pressure. Investors often...
A business owner needed fast financing to acquire a light industrial property for owner occupancy. Conventional financing could not meet the required closing timeline, putting the purchase at risk.
By John P. Lloyd, CEO, President & Co-founder I know the feeling of the 3 a.m. stare at the ceiling. The house is quiet, but your mind is racing. It’s usually not about one single catastrophe; it’s a low-level hum of anxiety that won’t turn off. Often, that hum is financial. We need to...
A San Diego-based real estate investor and ADU developer needed financing to refinance existing debt and fund the construction of a 10-unit multifamily project. The project involves developing nine new ADUs while preserving an existing renovated single-family rental home.
A San Diego-based real estate investor and ADU developer needed financing to refinance existing debt and fund the construction of a 10-unit multifamily project. The project involves developing nine new ADUs while preserving an existing renovated single-family rental home.
An existing Fidelis borrower sought financing to refinance a recently acquired multifamily property and fund a comprehensive rehabilitation program. The six-unit property is currently vacant and requires significant improvements before it can be returned to productive use. Traditional lenders...
By John P. Lloyd, CEO, President & Co-founder There is a specific feeling that keeps many accredited investors awake at night. It isn’t necessarily the fear of a market correction, nor is it the fear of inflation. It is the subtle, gnawing knot in the stomach that comes from investing in a...
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question always comes up within the first five minutes. Most people have the bulk of their net worth tied up in retirement accounts, yet they feel restricted to the stock market. They want real estate exposure...
By John P. Lloyd, CEO, President & Co-founder As investors, we often grapple with a specific kind of tension—a knot in the stomach—when looking at our retirement accounts. We know these accounts are our future security, which naturally inclines us toward safety. However, we also know that if...
By John P. Lloyd, CEO, President & Co-founder When I mention our track record—zero foreclosures since inception—I often see a raised eyebrow. Investors are skeptical of “perfect” records in finance, and rightly so. They know real estate has inherent risks and that borrowers...
A repeat Fidelis borrower needed financing to pay off existing acquisition debt and fund the full redevelopment of a two-parcel infill site in San Diego’s College Area into a ten-unit multifamily rental property.
A repeat Fidelis borrower and experienced San Diego residential developer needed construction financing to execute a value-add infill project in the North Park neighborhood. The project combined renovation of an existing single-family residence with ground-up construction of new loft-style...
By John P. Lloyd, CEO, President & Co-founder When I sit down with prospective investors, one question almost always comes up before we discuss strategy: “Am I an accredited investor… and why does it matter?” It’s a fair question—and one I answer frequently when speaking with...
By John P. Lloyd, CEO, President & Co-founder There is a specific kind of “knot in the stomach” that many investors feel today when they look at their quarterly statements. On one hand, you have the “safety” of traditional fixed income or high-yield savings accounts...
A repeat Fidelis borrower sought acquisition financing for multiple structures across three addresses on a single parcel. The commercial zoning, mixed-use configuration, and value-add nature of the transaction fell outside conventional lending parameters.
A well-established family trust required bridge financing to unlock equity from the final two parcels of a legacy school campus, with proceeds needed to satisfy trust obligations prior to the close of sale. The unique ownership context and short-term nature of the need fell outside conventional...
A trust-owned beachfront multifamily property required a cash-out refinance to access liquidity from a free-and-clear asset. While the property was fully stabilized and income-producing, traditional lenders often move slowly on trust-held assets with succession structures and documentation...
A seasoned investor sought expedited acquisition financing for a rural single-family residence in Ramona, CA. The time-sensitive purchase and short-term bridge requirement fell outside conventional lending parameters.
A repeat Fidelis borrower and experienced investor group sought financing to acquire two contiguous parcels—one improved and one vacant—with a plan to renovate the existing residence and execute a lot split to maximize value. The combination of acquisition, renovation, and entitlement-driven...
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, one question always comes up: “What happens if one property fails?” They are worried about concentration risk. They want to know if their money is tied to a single building or a single market. It’s a...
