Private Credit
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Earn consistent returns backed by real estate collateral.
RealtyMogul's private credit offerings allow accredited investors to invest in real estate through debt — specifically short-term bridge loans and other secured debt instruments backed by commercial real estate. These investments offer fixed-income-like returns with the added security of property collateral.
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7–10%
Target annual return
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24 mo.
Typical loan term
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Senior
Secured debt position
Our approach
Private credit provides investors with income backed by real assets — offering a compelling risk-return profile for those seeking fixed-income alternatives with real estate security.
Senior secured debt backed by real property
Short-term durations with predictable returns
Conservative loan-to-value ratios for downside protection
Investor FAQs
Private credit explained
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Private credit refers to non-bank lending — specifically, real estate loans made by private investors rather than traditional financial institutions. Investors act as the lender, earning interest income while the borrower (a real estate operator) uses the funds to acquire, renovate, or develop a property.
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RealtyMogul sources, underwrites, and originates short-term real estate loans. Investors fund these loans and receive regular interest payments throughout the loan term. At maturity, the principal is repaid and the loan closes. The underlying property serves as collateral throughout the term.
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Our private credit opportunities typically target annualized returns of 7–10%, paid as regular interest distributions. Actual returns vary by deal and are not guaranteed. Investors should review individual offering documents carefully before committing capital.
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Primary risks include borrower default and property value decline. These risks are mitigated by conservative loan-to-value ratios (typically 65–75%), first-lien senior security positions, and thorough underwriting of each borrower and property before funding.
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Minimums vary by offering but are typically $25,000 or more for individual private credit transactions. These investments are generally available to accredited investors only. Please review specific offering details for exact requirements.
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Private credit investments on the RealtyMogul platform typically have terms of 12–24 months, providing shorter durations than equity investments. This creates a more predictable timeline for investors seeking fixed-income-like exposure to real estate.
Private credit: consistent income backed by real assets.
7–10%
Target annual
return
RealtyMogul's private credit investments provide accredited investors with the opportunity to earn interest income from short-term real estate loans — secured by first-lien positions on commercial properties and underwritten to conservative loan-to-value standards.
The private credit team
Our credit professionals originate, underwrite, and manage every
private credit deal with institutional discipline and investor focus.
David Schnee
Chief Investment Officer
Mark Ellison
Head of Underwriting
Tom Bradley
Director of Risk Management
Rachel Torres
Senior Portfolio Manager
Explore private credit opportunities today.
Access short-term real estate loans with institutional-grade underwriting
and earn consistent income backed by real property.