Our Offerings
Residential: Buy & Hold

Austell, Georgia

Don’t miss the opportunity to invest in this all brick, ranch-style home located in Austell, GA featuring 3 bedrooms, 2 bathrooms, and a large, fenced backyard with an inground pool and fully renovated pool house.

Annual Interest 8%
Term Remaining 11 Months
Payment Monthly
Offering Size $250,000

Structure

Tax Document
1099-INT
Offering Structure
BPDN
x

SENIOR BPDN - PROMISSORY NOTE SECURED BY COLLATERAL SECURITY AGREEMENT

THIS PROMISSORY NOTE IS SECURED BY THE ISSUER'S PLEDGE OF THE RELEVANT UNDERLYING COLLATERAL LOAN (AS DEFINED BELOW) TO THE LENDER (AS DEFINED BELOW) UNDER THE COLLATERAL SECURITY AGREEMENT AND PROMISSORY NOTE. HOWEVER, EXCEPT TO THE LIMITED EXTENT PROVIDED IN THE PROMISSORY NOTE WITH RESPECT TO THE UNDERLYING COLLATERAL LOAN, THIS NOTE IS NON-RECOURSE TO THE ASSETS, FUNDS AND ACCOUNTS OF YIELDI, LLC (THE "BORROWER", "COMPANY" OR "ISSUER") OR ANY OF ITS AFFILIATES, EMPLOYEES, AGENTS, STOCKHOLDERS, PARENTS, OR SUBSIDIARIES EXCEPT TO THE EXTENT OF THE VALUE OF COLLATERAL LOAN NET PAYMENTS ACTUALLY RECEIVED IN RESPECT OF THE UNDERLYING BORROWER LOAN.

Example Return on Investment

Investment Amount:

Annual ROI:

$2000

Why We Like This Opportunity

investment-property-highlights

Property Highlights

Don’t miss your opportunity to invest in this all brick, ranch-style home located in Austell, GA featuring 3 bedrooms, 2 bathrooms, and a large, fenced backyard with an inground pool and fully renovated pool house.  Open concept plan with newly renovated kitchen and bathrooms along with fresh paint and new flooring throughout the entire home.

Location

About the Neighborhood

Tanglewood is an established neighborhood in Austell, Georgia, a suburb of Atlanta situated along the southern border of Cobb County.  The neighborhood enjoys a sound economic base because of its proximity to the Atlanta Central Business District as well as above-average public schools.  Minutes from dining, shopping, and attractions including the Silver Comet Trail, Sweetwater Creek State Park, and Six Flags Over Georgia, one of the largest amusement parks in the Southeast.

Experienced Borrower

Experienced Borrower

The borrower is a successful real estate investor in high-end real estate industry in Florida. He’s sold multiple Florida homes for over $2M+ and has a high net worth and strong liquidity.

First Priority Mortgage Lien Position

Seniority

The first-priority mortgage lien position is the most senior and highest priority within the capital structure. In the event that a borrower defaults, the lien priority determines the order in which lenders are repaid. Senior lenders are always repaid first. All subordinated positions, including the amount held by the Originator and its investor syndicate, act as a buffer in the event of a deterioration in the Properties’ value.

Upfront Reserve

Upfront Reserve

The Loan is structured with interest reserve for further protection.  12 months of debt service payments will be collected at closing.

What Should I Consider?

Borrower Risk

The Borrower may not have represented itself accurately.

Risk Mitigation

  • The Originator checks the Borrower's credit history via a third-party credit reporting company.  The Borrower has a 700 credit score.
  • The Originator considers the underlying asset to be the primary source of security.
  • If the Loans are not fully repaid after the Lender has exhausted other sources of repayment, the Borrower has provided a personal guaranty to fulfill any deficiency.

Default Risk

The Borrower may default on his financial obligations.

Risk Mitigation

  • If the Loans are not fully repaid after the Lender has exhausted other sources of repayment, the Sponsor has provided a personal guaranty to fulfill any deficiency.
  • In the event of a default, a direction letter signed at closing by the Borrower will be sent redirecting the Tenant to make rent payments into an account controlled by the Originator.

Investment Summary

Investors have an opportunity to invest in borrower payment dependent notes, the cash flow of which is dependent on the payment of interest and principal repayment on the Loans. Investors are scheduled to receive an annualized monthly interest payment of 8% over the Loans' estimated remaining term of 12 Months. Principal is expected to be returned on or before maturity through a refinancing with a traditional bank loan. It is important to note that the Loans are eligible for prepayment, and principal may be repaid prior to the 12 Months estimated remaining term. If the Loans are paid off before maturity, investors are expected to receive at least three months of interest payments in addition to return of principal.

How Do I Get Paid?

This loan had an initial term of 12 Months with an option at Yieldi's discretion to extend. As of May 14, 2022 there are 12 Months remaining. Investors will immediately receive monthly interest payments at an annualized rate of 8% on the principal balance over the life of the loan. If you invest in this loan in the middle of a month, you will receive a prorated interest payment for your investment for your first investment month and then full monthly payments thereafter. All payments are made automatically via ACH on the 1st of each month and investors all paid by the 10th of the month.

Additional Resources

Principal Protection: Benefits of Asset-Based Investments

Principal protection is one of the most important parts of investing. Nobody wants to lose their hard-earned money, especially when investing and trying to earn more of it through compounding interest.  If you are going to protect your principal investment, you need to limit risk. There are a few ways investors limit risk.  You can…

The Process of Getting a Hard Money Loan

Hard money loans are often overlooked, however, they are are great option for those looking for an alternative to traditional lending.

Yieldi Featured in Atlanta Inno’s 2021 Fire Awards

Among the 50 companies interviewed, Yield founders Josh Lloyd and Joe Ashkouti show why Atlanta is emerging as a technology hub and how it’s played a vital role in Yieldi’s success.

Question?