Provide the down-payment + rehab gap to fix-and-flip investors — 12–18% + 2–4 points on 4–6 month bridge.
Fix-and-flip investors typically get 80–90% purchase + rehab from a hard money lender but need 10–20% 'skin in the game.' Gap funders provide that 10–20% as second-lien (or unsecured promissory note) at 12–18% interest + 2–4 points, for 4–6 months. If deal loses money, gap lender is subordinate to HML — real risk. Best deals: experienced flippers with track record on properties in strong markets with 25%+ ARV margin. Small ticket ($10–50K) but 30–50% annualized IRR.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Lend directly to real estate investors on 1st-lien trust deeds — 8–14% yield secured by real property at 60–70% LTV.
Buy B2B invoices at 90–95% face — collect full value 30–90 days later. Effective yield 25–60% annualized.
Fund small businesses at 1.15–1.35× via receivables purchase — 30–90 day payback, 25–50% IRR (ethical caps).
Invest as LP in interval funds and BDCs — 9–12% yield on institutional private-credit portfolios.
Buy whole-loan portfolios directly from P2P platforms — 6–12% net yield with algorithmic underwriting.
Buy in-force life insurance policies from seniors — pay premiums, collect death benefit. 8–12% IRR uncorrelated.