If you’re an investor tired of chasing yield in public markets—or just looking for a way to generate consistent, fixed income without adding more risk—real estate loans deserve your attention. We’re not talking about owning properties, dealing with tenants, or flipping houses. We’re talking about being the bank.
At Yieldi, that’s exactly what we offer: the opportunity to earn monthly interest income by investing in first-position, real estate-backed loans. It’s simple, predictable, and built for passive income.
What Makes Real Estate Loans a Fixed-Income Strategy?
Unlike stocks or equity-based real estate deals, debt investments offer clearly defined terms. When you fund a loan through Yieldi, you know three things up front:
- Your return (the interest rate)
- Your risk exposure (the loan-to-value ratio)
- Your timeline (loan term, usually 12 months)
That kind of clarity is rare in investing. These are short-term bridge or hard money loans—secured by real property and underwritten with conservative assumptions. If the borrower pays on time, you collect interest. If they don’t? There’s collateral backing the loan. We haven’t missed an investor payout in our history.
Why Investors Love This Model
- It’s passive. Once you’re in, you just collect checks (well, ACH transfers).
- It’s secured. First-lien loans mean you’re first in line if something goes sideways.
- It’s flexible. Most loans are short-term, so your capital isn’t tied up for years.
- It’s consistent. Target returns typically fall in the 8–11% range.
In a market where bonds are underwhelming and equities are unpredictable, real estate debt investing is gaining traction fast. And with platforms like Yieldi, it’s easier than ever to access institutional-quality deals without middlemen.
Fixed Income with Real Estate?
Absolutely. Here’s the thing: real estate-backed lending is still relatively underutilized in most investor portfolios. But for those who understand credit risk and appreciate the protection that comes with low loan-to-value ratios (ours average around 65%), it’s a compelling fixed-income alternative.
You’re not chasing a unicorn IPO or hoping a dividend gets paid. You’re lending against real assets—homes, commercial buildings, land—with terms that make sense.
What You’ll Find on the Yieldi Platform
- Curated real estate loan offerings in solid markets
- Transparent borrower information and documentation
- Simple onboarding and account setup
- Monthly interest payments directly to your account
Real estate passive income doesn’t have to mean owning rental properties. It can mean earning reliable, fixed-income returns with none of the day-to-day hassle.