Passive Income for Accredited Investors

Be the Bank.
Collect the Payments.

Paper Profits Income Fund buys mortgage notes — loans secured by real estate. You invest, borrowers make payments, you earn 8–9% annually. No property to manage. No stock market swings.

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Accredited Investors
SDIRA Compatible
Monthly Distributions
View investment term sheet

Fund Performance

8–9%
Target Annual Return
2020
Paying Investors Since
1,000+
Notes Managed
Yes
Principals Co-Invest

The Problem With "Passive" Income

Whether you've tried rental properties, dividend stocks, or just kept cash in savings — most "passive" options come with catches.

Rental Properties

  • ✗ Tenant headaches & evictions
  • ✗ Midnight maintenance calls
  • ✗ Vacancy risk & turnover costs
  • ✗ 10-20 hrs/month "managing"

Stock Market

  • ✗ Value swings with every headline
  • ✗ Must sell to access gains
  • ✗ Nothing tangible backing it
  • ✗ No regular income unless you sell

Note Investing

  • ✓ Dependable monthly income
  • ✓ Backed by real estate
  • ✓ No property to manage
  • ✓ Truly passive — 0 hrs/month

How It Works

Mortgage notes are loans secured by real estate. When you invest, you become the bank — receiving monthly payments without owning property.

1

You Invest

Your capital joins our fund, which purchases mortgage notes secured by residential real estate.

2

Borrowers Pay

Homeowners make their regular mortgage payments — just like they would to a bank. We manage everything.

3

You Earn

Consistent monthly income is deposited directly to your account or SDIRA. Your money works — you don't.

Learn more about our process

Is This Right For You?

Good Fit

  • ✓ Accredited investor ($200K+ income or $1M+ net worth)
  • ✓ Want dependable monthly income without the work
  • ✓ $50K+ to invest (min. investment)
  • ✓ 12 month investment horizon
  • ✓ Values transparency and communication

Not the Right Fit

  • ✗ Need daily liquidity (can't access funds anytime)
  • ✗ Looking for get-rich-quick returns
  • ✗ Want to pick individual investments yourself
  • ✗ Not comfortable with private investments
  • ✗ Investing emergency funds

What is an Accredited Investor? As defined by the SEC, an individual qualifies as an Accredited Investor by earning over $200,000/yr. ($300,000 with spouse) or having a net worth exceeding $1 million, excluding primary residence.

Investment Tier Comparison

Two tiers to match your investment level. Higher investments earn higher returns.

Standard Tier

8%

per annum

  • Commitment Period 12 months
  • Minimum Investment $50,000
  • Deployment Period 60 days
  • Interest Accrual Starts 1st of month after
    deployment

Preferred Tier

9%

per annum

  • Commitment Period 12 months
  • Minimum Investment $100,000
  • Deployment Period 60 days
  • Interest Accrual Starts 1st of month after
    deployment

Both tiers include monthly distributions, SDIRA compatibility, no early withdrawal penalty, and the option to reinvest for compounding returns.

View full term sheet

Real Deals, Real Numbers

Here's a sample of the loans we fund — conservative LTVs, first-lien positions, and strong collateral.

Luxury Single-Family Home in Hood River, Oregon

Luxury Home — Oregon

Property Value

$1,250,000

Loan Amount

$750,000

LTV

60%

Position

1st Lien

Special-Use Property in Fairlawn, Virginia

Special-Use Property — Virginia

Property Value

$6,000,000

Loan Amount

$600,000

LTV

10%

Position

1st Lien

Custom Home with Buildable Lots in Hood River, Oregon

Custom Home + Lots — Oregon

Property Value

$2,475,000

Loan Amount

$1,550,000

LTV

63%

Position

1st Lien

70% Max

Loan-to-Value

1st Lien

Position Only

No Leverage

At Fund Level

3rd Party

Oversight & Administration

We Invest

Alongside You

View more loan examples

2012

Investing in notes since

1,000+

Notes purchased & managed

3rd Party

Fund administration

Quarterly

Investor reporting

Co-Invest

Principals' capital in fund

Start With the Free Book

Get your copy of Paper Profits and learn how mortgage note investing can generate dependable monthly income — backed by real estate.

Get the Free Book Schedule a Call

Want to run the numbers first? Try the income calculator.