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A trust-owned entity borrower needed short-term liquidity secured by a fully leased retail center that already carried a first trust deed of less than $500K. The lack of individual recourse combined with a subordinate lien position placed the request outside conventional and most private lending parameters; however, with a combined LTV ratio of less than 10%, Fidelis made it happen.

An owner-builder needed to refinance existing debt and complete a residential renovation, including construction of a junior ADU and a planned detached ADU. Conventional lenders were not positioned to refinance the property while construction remained underway.

A repeat, experienced borrower needed to close on a single-family acquisition and fund a garage-to-ADU conversion in under a week, a timeline conventional lenders could not meet.

By John P. Lloyd, CEO, President & Co-founder Somewhere around the middle of April every year, I get a version of the same call. An investor looks at what he earned, looks at what he actually kept, and asks me why he is holding an asset taxed at his top marginal rate when there are […]

By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question often comes up. They understand what a return is. What they want to see is the difference between spending it and leaving it alone. Here is the direct answer. On $100,000, over ten years, the gap is roughly $55,135. […]

By John P. Lloyd, CEO, President & Co-founder There is a specific feeling that every investor knows, though few discuss it openly. It isn’t just the fear of losing money; it is the anxiety of losing control. When you transfer capital into a private fund, there can be a concern that you have just locked […]

A repeat client with a proven ADU design/build and fix-and-flip track record needed to move quickly on a time-sensitive acquisition ahead of a long-term redevelopment play.

An experienced real estate investor needed to close within days of finalizing an offer on a vacant single-family investment property. Referred by a reputable mortgage broker with a strong Fidelis relationship, the borrower needed a lender capable of moving quickly while also financing the planned renovation.

By John P. Lloyd, CEO, President & Co-founder As an accredited investor in a mortgage fund, questions naturally come up from time to time — moments where something isn’t quite clear. You shouldn’t feel like you’re peering into a “black box” of finance jargon designed to obscure risk rather than clarify it. We’re here to […]