What has been the fund’s historical performance, and is it consistent?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question always comes up. It’s the elephant in the room. You see a target return of 8–10%, and in a world of volatile stock markets and low-yield savings accounts, you rightfully ask: “Is that actually achievable, and have you actually […]
$1,150,000 1st DOT Refinance/Const. Loan
A high-net-worth entrepreneur with complex business holdings needed a straightforward construction loan to build a single-family investment property without the burden of extensive entity documentation that conventional lenders require. The borrower needed a lender willing to focus on the strength of the collateral, sponsorship, and liquidity — not bureaucratic red tape.
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 […]
$3,500,000 1st DOT Refinance/Bridge Loan
An active multi-project developer needed to move quickly to refinance existing debt on a 96-lot residential subdivision and to fund the completion of horizontal construction and the placement of modular homes.
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 […]
$300,000 1st DOT Purchase/Bridge Loan
A business owner needed fast financing to acquire a light industrial property for owner occupancy. Conventional financing could not meet the required closing timeline, putting the purchase at risk.
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 […]
$900,000 1st DOT Refinance/Cash-Out Loan
A San Diego-based real estate investor and ADU developer needed financing to refinance existing debt and fund the construction of a 10-unit multifamily project. The project involves developing nine new ADUs while preserving an existing renovated single-family rental home.
$2,300,000 1st DOT Refinance/Const. Loan
A San Diego-based real estate investor and ADU developer needed financing to refinance existing debt and fund the construction of a 10-unit multifamily project. The project involves developing nine new ADUs while preserving an existing renovated single-family rental home.