Earn a Typical 8–12% in Interest, Secured by Michigan Real Estate
Lend your own capital on short-term, first-lien loans that fund the renovation of distressed homes across West & Central Michigan. Individually negotiated, secured by a recorded first mortgage, with founder accountability on every deal.
A simple, secured way to put your capital to work.
You lend directly to Pathfinder on a specific property. Your loan is secured by a recorded first-lien mortgage, and you earn interest until the property is renovated and sold.
Fund a Loan
You lend your own funds — cash, a Self-Directed IRA, or a HELOC. $25,000 minimum per loan.
Secured by a First Lien
A mortgage is recorded in your name, first-lien position on the specific property.
Earn Interest
Interest, typically 8–12% APR — paid monthly, or deferred until the property sells.
Capital Returned
Principal repaid in full at payoff, typically within 3–6 months.
Fund the Next Deal
Redeploy into the next loan and compound your interest — or take your capital back.
Secured by real estate, not promises.
Every loan is backed by a recorded first-lien mortgage on a specific property — real, enforceable collateral.
First-Position Lien
Every loan is secured by a recorded first mortgage on the property — you are first in line, ahead of any other claim.
Conservative Loan-to-Value
We lend against a conservative share of value, leaving an equity cushion between your loan and the property’s worth.
Title & Hazard Insurance
Each property carries title insurance and hazard coverage, with your interest noted where appropriate.
Individually Negotiated
Every loan is its own agreement — one lender, one property, terms set per deal. Not a pooled fund, not a product.
Recorded in Your Name
The mortgage and note are in your name and recorded with the county — real, enforceable collateral.
Transparent Reporting
You know what your capital is in, the plan, and where it stands — before you fund and while it’s out.
Estimate the interest on a single loan.
Move the sliders to estimate interest income on a first-lien loan. Illustrative only — actual interest and terms are set per deal.
Illustrative estimate of interest income on a first-lien loan, based on our typical structure. Not an offer; actual interest and terms are individually negotiated per deal. Loans are secured by real estate but involve risk, including possible loss of principal.
Family offices, experienced capital — and people who know us.
We work with family offices and sophisticated capital partners who want senior-secured, asset-backed yield with direct access to the principal — and we’re equally glad to work with individuals, including friends and family, who want to lend $25,000 or more on a specific, first-lien-secured deal and earn interest on their money.
What’s the minimum, and who lends with you?
Our typical minimum is $25,000 per loan. Many lenders place $50,000–$250,000, and larger sole-funder positions are welcome. We work with family offices and experienced capital partners — and we’re equally glad to work with individuals, including friends and family, who want to lend on a specific secured deal.
How is my loan secured?
By a mortgage recorded in your name in first-lien position on the specific property, backed by a promissory note. Your first-lien position and the property’s value are your protection — which reduces, but does not eliminate, risk.
When and how do I earn interest?
Interest is typically 8–12% APR, set per deal. Depending on the loan, it is paid monthly, or it accrues and is paid together with your principal when the property sells.
How long is my capital committed?
Most loans run 3–6 months, matched to the renovation and sale timeline of the specific property. Terms are agreed up front, per deal.
What funds can I lend from?
Cash, a Self-Directed IRA, or a HELOC are all common. You should confirm suitability with your own tax and financial advisors.
Is this an investment offering?
No. These are direct, individually negotiated loans secured by real estate — not a securities offering, and nothing on this page is an offer or solicitation. Each loan is documented separately.
Important — Please Read
THESE ARE DIRECT LOANS, NOT SECURITIES
Loans arranged through Pathfinder Holding Company LLC are direct, individually negotiated loans secured by a first-lien mortgage on a specific property. They are not securities, and nothing on this page is an offer to sell or a solicitation of an offer to buy any security or investment product. Each loan is documented separately through a promissory note and mortgage.
SECURED, BUT NOT RISK-FREE
Lending is secured by real estate, which reduces but does not eliminate risk. Risks include borrower default, changes in the real estate market, construction delays or cost overruns, title or property issues, and illiquidity during the loan term. You could lose some or all of your principal.
NO GUARANTEE; ILLUSTRATIVE FIGURES ONLY
Any interest rates or figures shown on this page, including the estimator, are typical or illustrative and are not a guarantee of any outcome. Actual interest and terms are set per deal. Past results do not guarantee future performance.
GET YOUR OWN ADVICE
Pathfinder is not your investment, legal, or tax advisor. Please consult your own qualified advisors before lending. Loans may not be available in all states and are subject to applicable law.
Ready to put your capital to work?
Become a lender in about a minute. We’ll review your details and follow up personally to walk through the next available deal — no pitch, no pressure.
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