By John Lloyd, CEO, Fidelis Private Fund When investors first hear about the stability and predictability of private debt’s Fixed Income, two common fears arise: The Exclusion Barrier (“Will I be excluded if I don’t have millions?”) and The Illiquidity Trap (“Will...
By John Lloyd, CEO, Fidelis Private Fund If you’ve looked at your investment portfolio lately and felt a familiar knot in your stomach, you aren’t alone. For decades, the golden rule of investing was simple: allocate 60% to stocks for growth and 40% to bonds for safety. The theory was that when...
By John Lloyd, CEO, Fidelis Private Fund When I talk with new investors, the question always comes up: “What exactly am I buying? Do I own a piece of real estate? Am I a landlord?” This is a fair question, as the world of private funds often uses confusing jargon. The answer is...
If you have watched the financial news lately, or simply glanced at your portfolio balance on a particularly turbulent Tuesday, you know the feeling. It is that subtle knot in your stomach—the uncertainty that comes when the public markets react violently to a headline, an earnings report, or a...
The difference between a swift loan approval and frustrating delays often comes down to the quality of the initial application. For real estate investors seeking private financing, a well-prepared loan package not only accelerates the approval process but can also lead to more favorable terms...
Introduction In today’s investment landscape—characterized by persistent inflationary pressures, shifting monetary policy, and heightened equity-market volatility—reliable cash flow has emerged as the linchpin of portfolio resilience. The benchmark 10‑year U.S. Treasury yield has oscillated...
Even the most promising real estate opportunities can falter when financing fails. For investors relying on private lending, understanding and avoiding common approval pitfalls can mean the difference between capitalizing on opportunities and missing out on them. While private lenders typically...
Finding the Sweet Spot Between Growth and Yield As markets swing between euphoric rallies and sudden sell‑offs, many investors find it challenging to balance the pursuit of capital appreciation with the need for reliable income. Stocks can deliver exciting upside but often bring significant...
Securing financing for real estate investments often determines whether promising opportunities become profitable ventures or missed possibilities. While traditional bank loans remain the standard for many transactions, private real estate loans offer distinct advantages for time-sensitive...
Introduction As economic headwinds intensify—from geopolitical tensions to shifting monetary policies—traditional portfolios built around public equities and fixed‑income instruments face mounting challenges. Stock markets can experience sudden drawdowns when corporate earnings disappoint or...
Navigating the world of private lending can seem daunting for borrowers accustomed to traditional bank financing. Yet understanding the fundamentals of private real estate loans can open doors to opportunities that conventional financing often cannot address. Whether you’re considering...
Introduction Imagine passive income as a gentle river of rent checks flowing into your account—no midnight calls about leaky toilets, no surprise roof replacements, no endless legal hoops. Yet for many rental‑property owners, the reality is far messier. Professional managers typically command...
In private real estate financing, not all borrowers are treated equally. While many factors influence loan terms and approval processes, one element consistently separates those who receive preferential treatment from those who don’t: relationship development. Borrowers who invest in...
Introduction Every investor dreams of the “perfect portfolio” — one that compounds wealth reliably in good times, cushions principal in downturns, and supplies steady income when markets churn. Yet traditional 60/40 mixes of public equities and bonds are increasingly challenged by rising rate...
When seeking private financing for real estate investments, borrowers often focus primarily on interest rates when comparing lenders. While rates certainly matter, they represent just one element in a complex equation that determines the actual cost and value of private financing. Understanding...
Investors are increasingly seeking alternative avenues to bolster portfolio resilience. One compelling question emerging in wealth-building circles is whether private mortgage funds can deliver superior risk-adjusted returns compared to conventional bond portfolios. By focusing on...
In real estate development, the ability to move quickly often separates successful developers from those who merely survive. While many factors contribute to development success, access to fast, reliable financing consistently emerges as a critical competitive advantage. The most accomplished...
For investors evaluating mortgage fund opportunities, understanding the distinction between first lien and second lien positions represents a critical component of risk assessment. While both investment types provide exposure to real estate-secured loans, their risk-return profiles differ...
The housing shortage across many urban markets has created compelling opportunities for property owners and developers to increase density through multi-family conversions and accessory dwelling units (ADUs). These projects transform single-family properties into multiple living spaces, creating...
In the world of alternative investments, transparency often distinguishes exceptional opportunities from problematic ones. For mortgage fund investors, transparency provides the foundation for informed decision-making, appropriate risk assessment, and ongoing confidence in portfolio allocations...