🏡 Private Money Lending Opportunities

Secured Real Estate Investments • 6 Month Terms

Fresh opportunities from proven track record

🎉 THREE GREAT OPPORTUNITIES: 10% Returns Available!

Built on their extensive portfolio of 150+ completed projects with 0 defaults and a perfect payment history

150+
Projects Completed
$1M+
Interest Paid to PMLs
100%
Completion Rate
0
Defaults/Late
AVAILABLE NOW - "Unique Vision"

💰 YOUR LENDING OPPORTUNITY

You Invest:
$80,000
(Or $40,000 if partnering)
You Receive Back:
$88,000
(Or $44,000 if partnering)
6 Month Term (Historically paid in 4.5-5.5 months)
10% Return (20% Annualized)

📍 2100 S Penn St, Muncie, IN 47302

Show us the building, and we'll show you a good use. 2100 S Penn is a unique structure with many possibilities - from a potential dorm conversion for halfway-house or mental health outpatient providers, to rolling out organized field foster systems for shelter dogs with tenant rental credits.

We're converting this 1/7 to a 6/2 multifamily structure with principal residential rooms clustered on one side and flexible-use bedrooms on the other. The location couldn't be better - just blocks from Heekin Park, a beautiful expanse of rolling green grass in a quiet, residential working-commercial area.

Built mostly with concrete and cinderblock, this structure is sturdy as all hell - the ideal base for framing and utilities retrofits. We're working with a building that was built for purpose, handed to us to make unique use of its advantages.

📁 View Property Details & Photos
LOAN TERMS
Position: 1st
Funding Needed: $80,000
PML Payout (10% flat): $8,000
Term: 6 months
Monthly Extension Fee: $1,334
Minimum Seasoning: 90 days
Closing Date: TBD
Closing Date: July 16 (no later than)
PROPERTY SECURITY
Property Type: Turn 1/7 to 6/2 Multifamily
Square Feet: 2,150 sqft
Purchase Price: $35,000
Refurb Budget: $45,000
After Repair Value: $150,000 (~$76/SqFt)
Expected Monthly Rent: $1,500
Cash-Out (80% DSCR): $120,000
Location: Muncie, IN (Near Heekin Park)
Title Company: True Title
AVAILABLE NOW - "Corner the Market"

💰 YOUR LENDING OPPORTUNITY

You Invest:
$85,000
(Or $42,500 if partnering)
You Receive Back:
$93,500
(Or $46,750 if partnering)
6 Month Term (Historically paid in 4.5-5.5 months)
10% Return (20% Annualized)

📍 5021 Concord Ave, Detroit, MI 48211

If the market in this case is homes on the west side of the 5000 block of Concord Avenue, we have an opportunity to corner it! 5021 Concord Avenue is the only home on this side of the block, so we can lay claim to 100% of the market by adding 5021 to our portfolio.

Gratiot-Grand is a neighborhood north of Detroit that is a healthy mix of residential, commercial, and industrial. While being the only home on its side of the block affords future residents privacy, they won't have to travel far for shopping, eating, or a day at the park. Proximity to Gratiot Avenue provides straightforward access to downtown, while I-94 entry is just blocks away.

5021 offers us a chance to prevent task atrophy, as it needs a bit of everything for its semi-gut refurb. We'll convert this 1,222 SQFT home to a sensible 4/1.5 layout, practically touching the 1% rule with anticipated $1,500 rents and a 27% margin of safety on our refi strategy.

📁 View Property Details & Photos
LOAN TERMS
Position: 1st
Funding Needed: $85,000
PML Payout (10% flat): $8,500
Term: 6 months
Monthly Extension Fee: $1,417
Minimum Seasoning: 90 days
Closing Date: July 9
PROPERTY SECURITY
Property Type: Turn 1/1 to 4/1.5 - Single Family
Square Feet: 1,222 sqft
Purchase Price: $45,000
Refurb Budget: $40,000
After Repair Value: $155,000 (~$127/SqFt)
Expected Monthly Rent: $1,500
Cash-Out (75% DSCR): $116,250
Location: Gratiot-Grand, Detroit, MI
Title Company: First Class Title
AVAILABLE NOW - "Favorite Snack"

💰 YOUR LENDING OPPORTUNITY

You Invest:
$65,000
(Or $32,500 if partnering)
You Receive Back:
$71,500
(Or $35,750 if partnering)
6 Month Term (Historically paid in 4.5-5.5 months)
10% Return (20% Annualized)

📍 2416 30th St W, Birmingham, AL 35208

Some people like eating pizza, some people cherish escargot, some love chocolate cake. Us? We're a bit odd. Our favorite snack is small-value single-family homes in Birmingham, AL, one of the highest-velocity "hard" assets out there. We buy them cheap, refurb them on a modest value, and keep lien sizes low.

2416 comes to us from a great little commercial-recreational area in the heart of Birmingham. While the lot itself affords the peace and quiet of a suburban property, it is mere minutes away from Birmingham's major sporting complex and your standard Americana strip-mall boulevard - the Pizza Hut, the Starbucks, the Apple Bees, and so on.

This home needs a good deal of work, but it's structurally intact, so hey, we're off to a great start. The end result will be a fresh, revamped single-family home with a comfortable neutral palette interior. Another home back to the housing stock.

📁 View Property Details & Photos
LOAN TERMS
Position: 1st
Funding Needed: $65,000
PML Payout (10% flat): $6,500
Term: 6 months
Monthly Extension Fee: $1,084
Minimum Seasoning: 90 days
PROPERTY SECURITY
Property Type: 3/2 Refurb - Single Family Home
Square Feet: 1,368 sqft
Purchase Price: $35,000
Refurb Budget: $30,000
After Repair Value: $120,000 (~$87/SqFt)
Expected Monthly Rent: $1,400
Cash-Out (75% DSCR): $90,000
Location: Birmingham, AL
Title Company: Bridge Title

🏠 About the Borrowers: Mission-Driven Impact

They're tackling the affordable housing crisis head-on, and the impact they're making is both powerful and deeply personal.

They're breathing new life into forgotten homes and neighborhoods—transforming neglected properties into safe, beautiful homes that families (especially single mothers) can afford. Beyond that, they're creating meaningful employment opportunities by hiring over 100 local men and women to complete the rehab work.

It's more than just investing—it's revitalizing communities and changing lives.

🎯 Business Overview

Veteran/Service Member-run and family-owned, the team focuses on revitalizing undervalued neighborhoods through a "BRRRR-centric" business model.

They acquire and refurbish properties to the highest standards, maximizing bedroom and bathroom capacity. By signing competitive leases and using sales-based comps and cash flow analysis, their homes appraise at higher ARVs.

Operating across the Midwest in Kentucky, Missouri, Indiana, Ohio, Alabama, and Michigan with expansion into Arkansas.

📊 Track Record

1.5 Years
In Business
100%
Completion Rate
150+
Projects Done
98%
Tenant Retention
137
Refinanced
$1M
Interest Paid
0 Defaults/Late
Perfect Payment History

🔒 Your Security

  • ✓ 1st Position Mortgage/Deed of Trust
  • ✓ Promissory Note
  • ✓ Personal Guarantee (All 3 LLC Members)
  • ✓ Builder's Insurance Policy
  • ✓ JV Agreement

🛡️ Third-Party Verification

Vetted twice (most recently Feb 13th) by Capital Verified - former military criminal federal investigator Melissa Palmer.

🔄 Why These Deals Are Special

I only share opportunities that I can't fund for LightHouse because they have proven themselves to me.

These aren't shiny 30% returns, but they pay and pay on time. The exit strategy is to refinance and HOLD as rentals - a market sale is not needed to exit the deal, which is huge because generally, it's the sale that screws up many private money lending deals.

Returning PMLs get first right of refusal—and many are ready to reinvest so we can reserve projects for them.

This is one of those investor teams you want to rinse and repeat with—or as I like to say, set it, and forget it.

You'll sleep well at night knowing your funds are being used responsibly and truly making a difference in a community.

Transparency Note: I receive a small connector fee on deals I share with investors. I would much rather fund them myself for LightHouse, but we can't do everything - so I share the best opportunities that exceed our current capacity with trusted investors like you. This fee in no way reduces the return you receive - your returns remain exactly as stated.

🎯 READY TO INVEST?

Total Available Investment: $230,000

Your Combined Return: $253,000 (10% in 6 months)

Partnership options available - split deals 50/50 with another investor (you must bring both parties)

Deal #1 - Birmingham "Favorite Snack"
$65,000 → $71,500
($32.5K → $35.75K if partnering)
10% Return
Deal #2 - Muncie "Unique Vision"
$80,000 → $88,000
($40K → $44K if partnering)
10% Return
Deal #3 - Detroit "Corner the Market"
$85,000 → $93,500
($42.5K → $46.75K if partnering)
10% Return

Track Record: 150+ successfully completed projects with 0 defaults

Conservative LTV ratios • Secured by real estate • Proven execution

📋 View Investor Passport & Track Record
💬 DM me or email: daniel@desrosiers.me