How Private Capital Meets Real Estate Development.

Private lending provides truly 100% passive income. Unlike rental properties where you manage tenants, maintenance, and vacancies, or dividend stocks subject to daily market volatility, private lending delivers fixed 12% annualized cash flow paid directly into your bank account every month. Aubart & Associates handles all the sourcing, underwriting, legal agreements, and loan servicing end-to-end, so you simply collect predictable monthly passive returns.

Your capital is protected by 2 legal instruments. First, a Promissory Note, a legally binding contract obligating the borrower to pay you back at the agreed rate. Second, a Recorded Lien (Mortgage Security Agreement) filed at the county level, which means the borrower literally cannot sell, refinance, or transfer the property without paying you first.

LTV stands for Loan-to-Value. If a property is worth $400,000 after renovations and we lend at 62.5% LTV, the total loan is only $250,000. That means there's a $150,000 equity cushion (37.5%) protecting your capital. Even if the property value dropped significantly, your principal is still covered. Think of it as lending $250K on a $400K asset, you have a massive safety buffer built in before you'd ever be at risk.

Monthly interest payments are disbursed directly to your designated bank account via automated bank transfer (ACH/bill pay) set up by the borrower. Your first payment arrives exactly 30 days after your initial funding wire, continuing on a recurring 30-day schedule throughout the loan term. Aubart & Associates coordinates the wiring instructions and payment schedule during closing, but never holds or routes your funds.

Because your loan is backed by a recorded lien, the property title is legally encumbered. The developer cannot sell, refinance, or exit the property without fully settling your principal and accrued interest to release that lien. If default occurs, Aubart & Associates steps in directly: we can restructure the note, take over the site using our own development partners to finish the build, or initiate foreclosure and asset liquidation to recover your capital.

No. We handle the entire underwriting process, legal documentation, and transaction structuring. You simply sign the loan documents, wire your funds directly to the developer, and receive passive monthly interest deposits into your account. There are zero management fees; the only requirement is a minimum investment of $50,000.

Typical loan terms are 6 to 12 months. During that period, your capital is secured against the property and you're collecting monthly interest. Because these are short-duration loans tied to specific real estate projects, your money isn't locked up for years the way it would be in a syndication or REIT. When the developer completes the project and sells or refinances, 100% of your principal + accrued interest is returned. For investors who want continuous deployment, we offer reinvestment into the next pre-vetted deal.

Interest received from private lending is generally categorized as ordinary income for federal and state taxes. Lenders receive annual documentation outlining total interest disbursed during the calendar year for their tax records. Lenders may also choose to invest through self-directed IRAs, trusts, or entity structures (such as LLCs) based on their individual tax strategies. We do not provide tax or legal advice; consult a qualified CPA or tax attorney to determine how these payments apply to your specific tax profile.