High Yield Alternatives to Traditional
Retirement Investments

Investing in real estate loans offers a number of benefits compared to traditional retirement investments. Real estate has the potential for higher yields, with rental income and property appreciation providing a steady stream of passive income. Furthermore, real estate is a tangible asset that can offer more stability and predictability in terms of returns, as opposed to high yield alternatives that can be subject to market volatility. Real estate offers the potential for leverage, allowing investors to control a much larger asset with a smaller investment. This, combined with tax benefits, can result in higher overall returns on investment. Investing in real estate can provide diversification to a portfolio, reducing overall risk and providing a hedge against inflation.

All investments involve inherent risks, and past performance is not indicative of future results. Investors are strongly encouraged to conduct thorough due diligence, seek professional advice, and carefully assess their risk tolerance before making any investment decisions.

Sand Dollar Funding focuses on return of capital versus return on capital

Return of capital refers to the ability to recapture the original investment amount, while return on capital refers to the gains or profits generated from that investment. While both are important considerations when investing, our philosophy is that an emphasis and priority should be placed on return of capital. This is because if you don't recoup your initial investment, any return on capital becomes irrelevant. Therefore, it's crucial to assess the risk of losing the capital invested before looking at potential returns. Once the return of capital is analyzed and thoroughly vetted, investors can then focus on generating returns on that investment. Ultimately, a focus on return of capital helps to ensure the preservation of ones initial investment and lays the foundation for building long-term wealth.

Sand Dollar Funding Checks All the Boxes

Targeted Returns of 9-12%

Risk Averse Investing

Low Lockup Period

Low LTV Loans

Flexible Products

In-House Servicing

Minimal Investment

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Frequently Asked Questions

Private and hard money loans are diverse and flexible, with most being short-term loans, typically one to two years, that are offered by investors or a group of investors when traditional financing options are not available or not desirable. These loans are commonly used to fund various types of real estate projects, such as fix-and-flip rehabs, rental properties, commercial bridge loans, land development, and other unconventional properties or ventures. Sand Dollar Funding is a private lender that provides funding for these types of projects. By obtaining a private or hard money loan, real estate investors, developers, builders, and small businesses can grow their portfolios and businesses faster than they would be able to on their own. These loans can offer a useful alternative to traditional lending options and can help individuals and businesses achieve their goals more efficiently.

Unlike many funds that pool investor money together for a loan, Sand Dollar packages fractionalized notes where the investor is named on the actual Deed of Trust and Promissory Note offering a greater degree of certainty and protection.

The difficulty in obtaining loans from traditional banks and credit unions can be attributed to a number of factors. These include regulatory constraints, as well as the high overhead expenses of banks, which makes smaller loans more costly. Additionally, the process of obtaining a bank loan can be lengthy, complicated, and expensive. As a result, even creditworthy borrowers often find themselves struggling to secure the financing they need. Fortunately, Sand Dollar Funding is able to step in to fill this gap in the marketplace. By taking on reasonable risk and processing applications quickly, transparently, and accurately, we are able to provide the credit and service that borrowers are seeking.

Yes. Sand Dollar Funding requires that any investor be an accredited investor.

The requirements for accredited investors vary depending on the jurisdiction, but in the United States, an individual must meet one of the following criteria to be considered an accredited investor:

  • Income: An individual must have earned income of at least $200,000 in each of the two most recent years, or a joint income with a spouse of at least $300,000 in each of those years, and have a reasonable expectation of reaching the same income level in the current year.
  • Net Worth: An individual must have a net worth (either alone or with a spouse) of at least $1 million, excluding the value of their primary residence.
  • Certain Professional Designations: Certain professional designations, such as a licensed broker-dealer, investment adviser, or an attorney in good standing, may also be considered accredited investors.

These requirements are intended to ensure that accredited investors have sufficient financial sophistication and resources to understand and manage the risks associated with investing in private securities offerings.

Typically a minimum investment of $50,000 is required.

Yes. Investors with a Self-Directed IRA account can invest in the Fund. Please contact us for more information on how to invest with IRA funds.

We utilize the 7 C's of Credit Approval and other variables to ensure a low risk opportunity. The 7 C's of credit is a framework that lenders and financial institutions use to evaluate the creditworthiness of potential borrowers. The 7 C's stand for:

  • Character: Refers to the borrower's reputation, credibility, and honesty. Lenders will consider factors such as the borrower's credit history, employment history, and references to assess their character.
  • Capacity: Refers to the borrower's ability to repay the loan. Lenders will look at the borrower's income, expenses, and debt-to-income ratio to determine their capacity to pay back the loan.
  • Capital: Refers to the borrower's financial reserves and assets. Lenders will evaluate the borrower's net worth, collateral, and other assets to assess their capital.
  • Collateral: Refers to the property or assets that the borrower pledges as security for the loan. Lenders will consider the value and marketability of the collateral.
  • Conditions: Refers to the economic and industry conditions that may affect the borrower's ability to repay the loan. Lenders will consider factors such as interest rates, inflation, and the borrower's business or personal circumstances.
  • Credit: Refers to the borrower's credit history and credit score. Lenders will evaluate the borrower's credit report to assess their creditworthiness and to determine the interest rate and terms of the loan.
  • Compliance: Refers to the borrower's compliance with regulatory requirements, such as taxes, licenses, and permits. Lenders will evaluate the borrower's compliance with these requirements to assess their ability to manage their financial affairs responsibly.

Overall, the 7 C's of credit provide a comprehensive framework for evaluating the creditworthiness of borrowers and help lenders make informed decisions about lending money.