Our goal with this section is to help our clients engage with Fidelis Private Fund effectively, help others develop professionally in the area of work associated with commercial real estate financing, and to aid those seeking to invest in commercial real estate.
The ‘Skin in the Game’ Factor: Why Borrower Equity is Your Safety Net
By John P. Lloyd, CEO, President & Co-founder As an investor, especially one looking at real estate private debt, there is a very specific, visceral fear that tends to surface when market volatility shakes the headlines. It’s that knot in your stomach that asks: “If things get really tough, what stops the borrower from tossing […]
How often are distributions paid, and can I reinvest them?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, the conversation almost always shifts from “risk” to “logistics.” The core confusion usually sounds like this: “Is this like a standard rental where I wait for a quarterly check, or is it different?” It is a critical question because your strategy […]
What is Fidelis’s Process for Identifying and Vetting Borrowers? (The Human Element)
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 ask me, implicitly or explicitly: “John, are […]
The Stress Tax: How Financial Anxiety and Poor Health Lead to Bad Decisions
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 talk […]
Transparency in Private Lending: Every Dollar Invested Is Backed by a Recorded Deed of Trust
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 “Black Box.” You […]
Can I Invest Through My IRA or 401(k)?
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 but assume utilizing their […]
IRA and Retirement Account Strategies: Supercharging Your Tax-Advantaged Growth with High Yields
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 we play it too safe, inflation and […]
What Zero Foreclosures Since Inception Really Means (And Why We Prepare for Them Anyway)
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 sometimes fail. They assume “zero foreclosures” is marketing fluff. It isn’t. But […]
What qualifies me as an accredited investor, and why is this fund limited to them?
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 professionals, business owners, and retirees who are exploring private […]
9%+ Returns in a Low-Yield World: How Private Credit Bridges the Gap
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, which often feel like they are barely keeping pace with […]