Southern Investment CoFor Private LendersPut your money to work in real estate without the headaches.
Why a 12% note pays more than 12%.
The origination fee is the part most lenders overlook. One point on a 12-month loan is worth 1% a year. On a six-month loan you collect it twice; on a four-month loan, three times. Short terms are what turn a 10–12% rate into a 12–16% effective yield, and your capital is never locked up for more than two quarters.
Income taken out assumes principal is redeployed at each payoff and earnings are withdrawn. Rolled forward assumes principal, interest and points all go into the next note. Simple math, no fees, assumes a project is ready at every payoff.
First lien. Real house. Our own crew.
Your name is on a recorded first-position mortgage against a specific property in a market you can drive to, renovated by the same crew that has built every one of our rentals.
First-position mortgage
Recorded in your name against the property.
A predictable exit
We hold what we build. The payoff is a bank refinance against a stabilized, rented property, not a sale to a stranger. Southern Investment holds roughly 74 rental units built exactly this way.
See your money at work
Every property is linked to its lender, and we share progress photos from your house as the renovation moves along.
Closed by counsel you can call
Every note closes through our long-time closing attorney, who will walk you through the paper before you commit a dollar.
A secured, first-lien position on a house we buy, renovate and rent. No tenants, no contractors, no weekends at the jobsite. Built for physicians, attorneys, and other professionals who want to own a piece of real estate, not a second job.
- 01
We bring you a property
Purchase price, renovation budget, after-repair value and projected rent, in a one-page summary.
- 02
You fund at closing
One wire to the closing attorney. You receive the promissory note, recorded mortgage and your origination points.
- 03
Our crew renovates
A 24-phase process in five stages, each done, shown and passed before the next begins, with a full-time project manager on site.
- 04
Rented, refinanced, repaid
A tenant is placed, the bank refinances the stabilized rental, and you are paid principal plus interest. Then we bring you the next house.
Liquidity
Your capital comes back every four to six months. Stagger three or four notes and something pays off roughly every six weeks. No lockups, no redemption windows.
Simplicity
One promissory note, one recorded mortgage, one house. Interest income your CPA understands. Self-directed IRA and 401(k) funds welcome.
Zero time
We find the deal, run the crew, place the tenant and arrange the refinance. You wire funds once and review a closing package from our attorney.
Start with one note on one house.
You don't need to move a large sum. Fund one $60–100k note, see it through to payoff, and then decide whether this deserves a bigger slice of the capital you aren't using anyway.
Tell us a little about yourself and we'll send the lender package: a sample note and mortgage, a recent project summary, and our track record. No obligation.
