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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 […]

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 lending.

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 requirements.

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 upside placed the transaction outside the scope of conventional lenders.

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 valid concern. If you’re going […]

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. Rather, it is […]

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 outside the scope of conventional lenders.

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 capital made this transaction outside the scope of traditional lenders.