Suncrest Private Debt Fund
Earn 12% Preferred Annual Income
Backed by residential real estate and secured by short-term, first-lien mortgages.
401K and IRAs Accepted • Accredited Investors Only
Investment Overview
The Suncrest Private Debt Fund provides accredited investors with monthly income through a diversified portfolio of short-term, first-lien residential transition loans. Built for consistency, disciplined underwriting, and capital protection, the Fund targets a 12% preferred net annual return.
Monthly Cash Flow
12% preferred net annual return paid monthly
Upside Potential
Experienced Sponsor, ~500 loans totaling ~$200MM, ~145MM repaid to investors and creditors, 50+ years of experience
Quarterly Redemptions
12-month lockup with quarterly redemptions available thereafter
Downside Protection
Loans secured by 1st lien positions and personal guarantees
Key Fund Terms
What We Invest In
| Loan Type | Residential Transition Loans |
| Avg Loan Duration | 12 months |
| Use of Proceeds | Fix & Flip, Ground Up Construction, Bridge-To-Rent |
| Loan Security | First-position mortgage and personal guarantees |
| Geography | Diversified nationwide portfolio |
| Borrower Profile | Experienced real estate investors with equity at risk, high credit score and verified track record |
Why Investors Like This Strategy
Residential transition loans (RTLs), also known as fix-and-flip or bridge loans, provide short-term capital to real estate investors renovating and repositioning single-family or small multifamily properties.
Attractive Risk-Adjusted Returns
RTLs are originated at 12% interest rates backed by real estate collateral at conservative LTV ratios, allowing for enhanced yield without market speculation.
Downside Protection
Every loan is secured by a first-lien mortgage and personal guarantees. In default, the Fund can foreclose and recover from property sale.
Short Duration
RTLs average 12 months, allowing the Fund to remain responsive to interest rate changes and redeploy capital quickly.
Limited Competition
Thousands of investors need flexible capital, yet most banks don't serve this market, creating favorable pricing.
Real Economic Impact
These loans finance renovation of aging U.S. housing stock, improving neighborhoods while generating investor income.
Portfolio Diversification
Residential bridge loans are largely uncorrelated with stocks or bonds, offering a differentiated return stream.
Frequently Asked Questions
The Fund targets a 12% preferred net annual return.
Redemption requests must be submitted via email at least 60 days before the end of a calendar quarter. Proceeds are paid within 90 days after quarter-end, subject to a quarterly limit of 5% of the Fund's Net Asset Value (NAV). If redemption requests exceed this cap, they are fulfilled pro rata with the balance rolling to subsequent quarters.
Yes. There is a 12-month lock-up period. Investors may submit redemption requests quarterly under the terms above after the lockup period ends.
No. The Fund does not charge redemption fees or impose penalties for exiting the investment.
The Fund accepts capital from individual, joint, entity, trust, and self-directed retirement accounts, including IRA and 401k accounts.
The Fund is structured as a pass-through entity for U.S. tax purposes. Each investor receives a Schedule K-1 annually, reporting their share of the Fund's income, gains, losses, deductions, and expenses. We recommend consulting a tax advisor.
All Suncrest loans are secured by a first-lien mortgage on residential investment properties in the United States. Each loan is further secured by personal guarantees from principals of the borrowing entity and borrower equity.
Yes. All investors are provided access to a secure online platform where you can view your account balance, download tax documents, monitor distributions, make additional investments, and update account details.
The fund raises capital specifically to make short-term real estate loans to other real estate investors. All funds are allocated toward funding loans that align with the Fund’s investment strategy.
Suncrest earns interest and fees from the loans we fund. This income is used to pay investors and cover operational expenses. Each loan typically includes an origination fee of 2 – 4.5%, along with underwriting and processing fees.
While this is rare thanks to our thorough underwriting and risk evaluation process, in cases of default we have recourse. As the first lien holder on each loan, we can initiate foreclosure and take ownership of the property. Our team aims to find mutually acceptable payment solutions, but if the property must be sold, the proceeds help recover the loaned funds and minimize losses. Historically, the fund has not experienced losses on an annual basis.
The holding period ensures the Fund maintains sufficient liquidity and funding to support loans, which typically have 12-month repayment cycles. Over the last 36 months, the average loan repayment was 267 days, so the 1-year period aligns with a full loan cycle.
Absolutely. Accredited investors can use SDIRA or other retirement accounts, including 401(k) and IRA funds, to invest in the Fund. Distributions, if selected, can be deposited directly into the tax-deferred account.
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Learn More →Accredited Investors Only • Securities offered pursuant to Regulation D, Rule 506(c)