Four steps. One continuous cycle. Capital working from day one.
A disciplined process for sourcing, underwriting, and recycling capital — with each step designed to minimize idle time and maximize deployment quality.
From dollar in to dollar back.
Source Funds
LendGuard sources capital from accredited investors and family offices seeking secure, asset-backed returns with monthly income.
Source Deals
A curated pipeline of pre-qualified mortgages — each one screened against the 5-factor underwriting framework before it enters the portfolio.
Manage Portfolio
Each mortgage is actively monitored. Payments tracked, covenants enforced, borrower relationships managed to term.
Exit & Recycle
At 12-month maturity, capital recycles into the next mortgage — compounding returns and keeping credit standards current.
$10M over 12 monthly tranches.
Capital is called monthly in equal tranches — not drawn as a lump sum. Each tranche is matched 1:1 to confirmed deal flow, so every dollar is deployed within days of receipt.
The 5-factor underwriting framework.
Every mortgage that enters the portfolio passes through the same five-question test. Failing any single factor is enough to decline.
Loan to Value
Loan measured against property market value, net of existing charges. LTV limits actively refined based on market conditions.
Affordability
Borrower's capacity to meet payment obligations. Financing structured to enhance cash flow and support a sustainable exit.
Asset Quality
Property condition, geographic desirability, and area market dynamics — every mortgage backed by a resilient asset.
Creditworthiness
Full review of repayment history, financial standing, and the circumstances that led the borrower to seek alternative financing.
Exit Strategy
Borrower's defined plan at term end — refinancing, property sale, or another clearly mapped transition. No open-ended exposure.
Ready to invest?
Request investor access for the full offering memorandum, or book a call with Matthew or Marko directly.