Earn 8%+ Preferred Returns on Real Estate Rehab Projects.

Target returns range from 6-15% annually depending on your investment tier. Investments of $100,000 or more receive an 8% preferred return, meaning your returns are paid before any profit distributions to the fund operators. Investments between $25,000 and $99,000 target 6-15% returns based on the specific project allocation. Returns are targets based on historical performance, not guarantees.

You choose. Monthly ACH Distribution deposits your returns directly to your bank account every month — ideal for income-focused investors. Monthly Compounding reinvests your returns automatically, growing your principal. For example, $100,000 at 8% compounding generates approximately $108,160 after 12 months. You can switch between options at designated intervals.

Returns begin accruing once your capital is placed into an active project. Capital placement typically occurs within 4-7 months of your subscription. During the placement period, your capital is held in a designated account. Once deployed, returns accrue monthly from the first month of deployment.

Your investment is protected by five layers of security: (1) A second position lien recorded on each property — giving you a legal claim on real estate. (2) Properties acquired at 50-70% of After Repair Value, creating substantial equity cushion. (3) A personal guarantee from the borrower backing the loan with personal assets. (4) Title protection through NC-licensed title attorneys with title insurance. (5) Capital diversification across multiple projects to reduce concentration risk.

In the unlikely event of default, the 50-70% ARV acquisition basis provides a significant equity cushion. The property can be liquidated through sale to recover investor capital, and the personal guarantee provides additional recourse against the borrower's personal assets. Across 200+ projects, Cinch has maintained a 0% default rate. However, past performance is not indicative of future results, and all investment carries risk including possible loss of principal.

The standard loan commitment is 6 months per project. After the initial 120-day period from your investment date, you have the option to redeem your capital with no penalty. This is significantly shorter than crowdfunding platforms (5+ year lockups) or real estate syndications (5-7 year commitments). If you choose to stay invested, your capital is redeployed into new projects for continued returns.

Every project goes through Cinch's conservative underwriting process: (1) Independent third-party appraisal to verify ARV. (2) Properties must be acquired at 50-70% of ARV. (3) Detailed scope of work and budget review. (4) Vetted contractor network with proven track records. (5) In-house project management with weekly site visits. (6) Loan focus under $350,000 to limit single-deal exposure. The managing partners invest $100,000+ of personal capital across active projects.

Capital placement typically occurs within 4-7 months of your subscription. This timeline reflects our conservative underwriting standards — we say no to more deals than we accept. We will not rush capital deployment into substandard projects just to generate returns faster. You will receive regular updates on capital deployment status and project details.

The minimum investment is $30,000. The fund is available to accredited investors and select known investors as defined in the Private Placement Memorandum. Accredited investor status generally requires annual income exceeding $200,000 (or $300,000 combined with a spouse) for the last two years, or a net worth exceeding $1,000,000 excluding your primary residence.

Getting started is straightforward: (1) Request our Investor Package by completing the inquiry form on this page. (2) Review the Private Placement Memorandum and fund documentation. (3) Schedule a confidential consultation with our team to discuss your investment goals. (4) Complete the subscription agreement and fund your account. (5) Your capital is deployed into vetted NC rehab projects. For immediate questions, call (919) 751-6768.