Strategic Real Estate Portfolio Expansion in North Carolina
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This investment opportunity is secured by well-positioned collateral properties in high-demand markets, including Wilmington and Burgaw, NC. The borrower, an experienced construction business owner, is leveraging existing real estate assets to acquire an additional mixed-use parcel, expanding both his portfolio and business operations. The combined collateral value of $1,275,000 ensures substantial equity protection, with a conservative 50% loan-to-value (LTV) ratio enhancing the security of the investment. The borrower has a clear exit strategy, planning to refinance the Wilmington property into a conventional loan while utilizing income from his construction company to support repayment. With strong collateral, a well-defined repayment plan, and a strategic growth initiative, this loan presents a low-risk, high-value opportunity for investors.
Strategic Real Estate Portfolio Expansion in North Carolina 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
Strategic Real Estate Portfolio Expansion in North Carolina Highlights
This investment is backed by a well-structured loan with strong collateral and significant equity protection. The borrower, a seasoned construction business owner, is expanding his real estate portfolio by acquiring additional land to support his growing operations.
The primary collateral, a well-maintained single-family home in Wilmington’s sought-after Windemere neighborhood, benefits from strong market demand and appreciation potential, reinforcing the security of the loan. The newly acquired mixed-use parcel in Burgaw provides immediate operational utility for the borrower’s business, ensuring long-term value and stability.
With low leverage, a financially stable borrower, and a clear exit strategy, this opportunity presents a secure and well-positioned investment with strong downside protection.
About the Neighborhood
This investment spans two high-growth markets in North Carolina—Wilmington and Burgaw, each offering distinct advantages for long-term real estate value.
Wilmington’s Windemere neighborhood is a well-established, highly desirable residential area, known for strong property appreciation, excellent amenities, and high demand from homebuyers and investors alike. With easy access to shopping, dining, and major employment centers, the location ensures continued market stability.
Meanwhile, Burgaw’s growing commercial sector presents a valuable opportunity for business expansion. As the county seat of Pender County, Burgaw offers strategic positioning, direct access to major highways, and a developing economic landscape, making it an ideal setting for investment and future growth.
Why We Like this Opportunity
This loan is backed by strong collateral, an experienced borrower, and a clear exit strategy, making it a secure and attractive investment. The borrower, a seasoned real estate investor and business owner, is leveraging $1,275,000 in collateral across three properties with a conservative 50% loan-to-value (LTV) ratio, ensuring significant equity protection.
The primary property, a well-maintained investment home in Wilmington, NC, is in a desirable neighborhood, while the additional parcels in Burgaw offer mixed-use potential to support business expansion. The borrower’s proven track record in real estate and construction adds further confidence to the deal. With a structured refinance exit strategy already in place, this loan presents a low-risk, high-quality investment opportunity with strong downside protection.
Investment Summary Of Strategic Real Estate Portfolio Expansion in North Carolina
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 February 20, 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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