Real estate debt fund · Accredited investors only
Monthly income from loans secured by real estate.
Elevate Lending is a private debt fund that makes short-term loans to real estate investors across the United States, secured primarily by first-lien positions on the property.
The strategy
Simple loans, conservative leverage.
The fund lends to real estate investors who need fast, short-term capital to buy, renovate or refinance property. Every loan is secured by real estate, and borrowers pay interest monthly. That interest funds investor distributions.
Primarily first-lien
We focus on first-position loans, so the fund is first in line to be repaid from the property.
Target LTV of 70% or less
We aim to lend no more than 70% of a property's value, leaving the borrower's equity as a cushion beneath the loan.
Short-term loans
Loans typically run around 12 months, so capital is repaid and redeployed regularly.
Nationwide reach
We lend across the U.S. rather than in one market, so the portfolio isn't tied to a single local economy.
How your capital works
One investment, spread across a pool of secured loans.
Your capital goes into the fund, not into a single property.
Short-term loans to real estate investors, secured by their property.
Monthly interest and loan payoffs flow back into the fund.
Take distributions in cash, or reinvest them to grow your balance.
Key terms
The fund at a glance.
This is a summary only. Full terms, including fees, withdrawals and tax treatment, are in the Private Placement Memorandum, which registered investors receive.
Income calculator
Estimate your monthly income.
Enter an amount to see what the targeted 9% preferred return would pay each month.
For illustration only. Based on the targeted 9% annual preferred return, without reinvestment. This illustration does not guarantee returns and is not intended for any other purpose.
How to invest
From registration to your first distribution.
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Step 1
Register
Complete the short form below. Our team will reach out with next steps.
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Step 2
Verify accreditation
Confirm your status with a CPA or attorney letter, or through VerifyInvestor.com.
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Step 3
Review the documents
Once verified, you'll receive the PPM, operating agreement and subscription agreement.
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Step 4
Subscribe and fund
Sign and fund through our secure investor portal. New investors join on the first of the month.
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Step 5
Receive monthly income
Track your investment and distributions anytime in the portal.
Offering documents
Review the fund documents.
Request access once and our team will send you every document below.
Private Placement Memorandum
Full details on the fund's strategy, terms, fees and risks.
Subscription Documents
The subscription agreement and investor questionnaire you complete to invest.
Fund One-Pager
A one-page overview of the fund and its key terms.
Slide Deck
The fund's strategy, team and investment process, in a short presentation.
Investor Booklet
A plain-English guide to how the fund works and what to expect after you invest.
Offering documents are provided to accredited investors for evaluation purposes.
How we protect capital
- Secured by real estate. Every loan is backed by property the fund can claim if a borrower defaults.
- Equity cushion. Targeting 70% LTV or less means borrowers have their own money at stake.
- Title and property insurance. Loans carry title insurance and hazard insurance naming the fund.
- Diversification. Your investment is spread across many loans rather than one property.
Risks to understand and disclosure
- The targeted 9% preferred return is not guaranteed, and you could lose some or all of your investment.
- Borrowers may default, which can lead to foreclosure, delays and costs.
- This is an illiquid investment. Your capital is locked up for at least 12 months, and withdrawals after that are limited.
The PPM describes all risk factors in full.
Questions investors ask
Who can invest?
The fund is open only to accredited investors. For individuals, that generally means income above $200,000 ($300,000 with a spouse) in each of the last two years, or net worth above $1 million excluding your home. We verify every investor before they can invest.
How is this different from buying a single mortgage note?
With a single note, your return depends on one borrower and one property. The fund spreads your investment across a pool of loans, and our team handles underwriting, servicing and collections.
What happens if a borrower defaults?
The fund can foreclose on the property securing the loan, then sell, rent or refinance it to recover capital.
When can I withdraw my money?
Investments have a 12-month minimum hold. After that, you can request a withdrawal with advance written notice, and it's paid out in stages. The PPM explains the full withdrawal terms.
Can I invest through my IRA?
Yes, self-directed IRAs can invest. Retirement accounts can have special tax considerations, so please talk with your tax advisor.
Register
Start your investor registration.
Tell us a little about yourself. Our team will contact you to verify your accreditation and share the offering documents.
Prefer to talk first?Book a call with Jorge
Or call 206-486-1890
or jorge@chavez.capital