Carmel, IN Investment Properties Hard Money Loan
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This Carmel, IN hard money loan presents a secure and well-structured investment opportunity, backed by a low 21% loan-to-value (LTV) ratio and significant equity protection. The collateral includes two high-value residential properties in Carmel, one of the most desirable and rapidly appreciating real estate markets within the Indianapolis metro area. With a combined appraised value of $1,567,000, the assets provide substantial downside protection.
One of the properties is owned free and clear, further enhancing the strength of the collateral. This luxury home, located in West Carmel, sits in a high-demand neighborhood known for its liquidity and stable resale potential. The second property is undergoing targeted renovations to increase its market appeal and long-term value. Situated in a growth market with rising property values, this Carmel, IN hard money loan offers investors a strong risk-adjusted return and a clearly defined exit strategy.
Carmel, IN Investment Properties Hard Money Loan Details
Structure
- Tax Document
- 1099-INT
- Offering Structure
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BPDNx
SENIOR BPDN - PROMISSORY NOTE SECURED BY COLLATERAL SECURITY AGREEMENTTHIS 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
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Investment Amount:
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Annual ROI:
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Why We Like This Opportunity
Carmel, IN Investment Properties Hard Money Loan Highlights
This investment opportunity is secured by a well-structured loan with strong equity protection, backed by a low 21% loan-to-value (LTV) ratio. The collateral consists of two high-value residential properties in Carmel, IN, one of the most desirable and appreciating real estate markets in the Indianapolis metro area. The combined appraised value of both properties is $1,567,000, providing significant downside protection.
One of the properties is owned free and clear, reinforcing the security of this transaction. This luxury home, located in West Carmel, is situated in a high-demand residential market, ensuring strong liquidity and resale potential. The second property is undergoing strategic renovations, further increasing its marketability and long-term value. With both assets located in a high-growth area with rising property values, this loan presents a secure lending opportunity with a well-defined exit strategy.
About the Neighborhood
Carmel, IN, is a top-tier real estate market, known for its strong economy, top-rated schools, and high quality of life. Recognized as the #1 Best Small City in America by WalletHub, Carmel is one of the fastest-growing suburbs in the Indianapolis metro area, attracting affluent residents and sustained housing demand.
The city’s real estate market remains highly competitive, with steady home price appreciation and strong liquidity due to its limited supply and consistent demand from professionals and families. With its business-friendly environment, well-maintained infrastructure, and increasing property values, Carmel represents a low-risk lending market with high growth potential.
Why We Like this Opportunity
This loan presents a low-risk, well-collateralized investment, backed by two premium residential properties in one of Indiana’s most sought-after markets. With an LTV of just 21%, Yieldi has significant leverage in the unlikely event of a default. Additionally, the borrower has a successful track record in real estate investment and property management, reinforcing their ability to execute on their business plan.
The exit strategy is clear, with the borrower planning to sell one of the properties, a luxury home in a high-demand area, to repay the loan in full. The strong market conditions, combined with the borrower’s financial expertise and established property portfolio, ensure a timely and structured repayment.
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.
Personal Guarantee
The Loans are personally guaranteed by the borrower, spouse, and all principals in the LLC. Additionally, the Sponsor and/or Guarantor are obligated to contribute monthly payments to maintain a tax and insurance reserve. Failure to adhere to reserve contribution requirements would lead to the triggering of a debt service and operating expense/shortfall guarantee.Investment Summary Of Carmel, IN Investment Properties Hard Money Loan
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 Login for details 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 March 7, 2025 there are 12 Months remaining. Investors will immediately receive monthly interest payments at an annualized rate of Login for details 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.
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