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...
By John P. Lloyd, CEO, President & Co-founder There is a specific kind of “knot in the stomach” that many of my investors describe when we sit down to talk. It isn’t the fear of a sudden market crash—most of the people I partner with have the resilience to weather a storm...
An institutional ADU-focused investment group sought financing to refinance an existing property and execute a large-scale infill development, adding 12 new ADU units to an already improved site. The density, construction scope, and reliance on ADU Bonus Program incentives placed the project...
A borrower sought to unlock equity from a free-and-clear four-unit residential property in the Ocean Beach community of San Diego, within blocks of the beach, while completing renovations to improve unit condition and increase rental income. The need for both refinance proceeds and renovation...
Experienced real estate investors sought financing to add two modular ADUs to an existing four-unit property while preserving a favorable low-rate first mortgage. The need for subordinate construction financing and staged funding made this transaction outside the scope of most conventional...
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...
The Hook When I sit down with prospective investors, one technical term causes the most confusion: the loan-to-value ratio, or LTV. Most understand it’s a key metric, but they aren’t always sure why it is the “pulse” of their investment security. At Fidelis, we challenge...
As investors, we often spend disproportionate time analyzing potential yield. We look at the upside, the interest rate, and the monthly cash flow. These are important metrics, but they are secondary to the primary goal of any prudent investor: Capital Preservation. If you have ever felt a knot...
I’ve spent a lot of my life on trails, pushing through the miles of ultra-marathons. When you’re at mile forty and the sun is dipping below the horizon, you learn a lot about endurance. But over the years, I’ve realized that the most important “long run” isn’t measured in miles—it’s...
There is a specific kind of “knot in the stomach” that experienced investors feel when the economic winds begin to shift. We’ve seen it before—in the early 90s, the dot-com burst, and the Great Recession. As we navigate the complexities of 2026, that familiar tension is back. You...
A repeat Fidelis borrower and experienced real estate investor secured financing to reposition an aging residential property in East San Diego County. The project includes a full renovation of the existing home along with the addition of a new detached unit and garage structures to maximize...
An experienced small business owner and real estate investor sought short-term financing to refinance an existing private loan while renovating a vacant residential property in East San Diego County. The property, located on a large lot, includes a single-family home and a detached accessory...
By John Lloyd, CEO, Fidelis Private Fund When I sit down with new investors, a question that often comes up is “what are fees to invest”. In the investment world, there is often a massive gap between the “advertised” return and what actually lands in your bank account. You are right...
