For investors with $1M or more to deploy. My own money goes into the same notes, on the same terms, side by side with yours.
Most passive real estate investments ask you to trust a manager whose money is not at risk the way yours is. Co-lending is simpler and more honest: we buy the same seller-financed land notes together, secured by the same first liens, and I have my own capital in every deal. If a note underperforms, it costs me too. That is the entire alignment structure, and it fits on one line.
I have purchased more than 750 notes across 36 states and financed over $35M. The notes are backed by real property, the borrowers make monthly payments, and the returns come from interest, not appreciation guesses. It is the most boring asset class I know, which after 23 years of teaching and a decade of doing this, is exactly the compliment I intend it to be.
You participate in the same seller-financed land notes I buy for my own portfolio. Not a separate pool, not the leftovers.
Your capital and mine sit side by side on equal footing. No fee stack between you and the asset.
Every note is secured by a recorded first lien on real property. If the borrower stops paying, the land backs the debt.
Borrowers pay monthly principal and interest. Income arrives as it is collected, not as a projection.
You see the notes, the collateral, and the payment histories. I would rather teach you how a deal works than talk you into one.
Co-lending is for serious allocations. The minimum keeps the partnership small, personal, and worth both of our time.
This fits investors who want consistent income backed by hard assets, are tired of watching a decade of stock gains evaporate in a bad quarter, and prefer a direct relationship over a fund structure. It does not fit anyone chasing maximum upside or needing their principal back on short notice. Notes pay steadily; they do not spike. If you have read my thinking on why a consistent return beats a volatile one, you already understand the philosophy your money would be following.
A call costs nothing and commits you to nothing. I’ll walk you through real notes, real payment histories, and how a co-lending partnership is structured.
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