Retail Hard Money Loan in The Hamptons
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This offering is secured by two adjacent commercial properties located in the Hamptons, a high-demand coastal market. The primary asset is a fully leased, two-story retail building with multiple long-term tenants in place, providing stable cash flow and consistent in-place income. The property has been well-maintained, including a substantial exterior renovation in recent years, and is positioned along the area’s main commercial corridor with excellent visibility and foot traffic. The second parcel adds flexible commercial use potential and is located directly behind the main building. Together, the properties represent a well-located, income-producing investment with strong collateral value and long-term upside.
Retail Hard Money Loan in The Hamptons 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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$0
Why We Like This Opportunity
Retail Hard Money Loan in The Hamptons Highlights
This offering is secured by two adjacent commercial properties located in the Hamptons, a high-demand coastal market. The primary asset is a fully leased, two-story retail building with multiple long-term tenants in place, providing stable cash flow and consistent in-place income. The property has been well-maintained, including a substantial exterior renovation in recent years, and is positioned along the area’s main commercial corridor with excellent visibility and foot traffic. The second parcel adds flexible commercial use potential and is located directly behind the main building. Together, the properties represent a well-located, income-producing investment with strong collateral value and long-term upside.
About the Neighborhood
Located in one of the most iconic destinations in the Hamptons, this coastal community is known for its upscale lifestyle, natural beauty, and limited real estate inventory. The area draws affluent residents and seasonal visitors alike, fueling strong year-round demand for both retail and hospitality services. Zoning protections and high barriers to entry have helped preserve property values over time, making it a stable and appreciating market. The properties are situated within the heart of the commercial district, just minutes from beaches, marinas, restaurants, and boutique shopping.
Why We Like this Opportunity
This loan is supported by a low 58% loan-to-value ratio, first-position lien rights, and income-producing collateral with long-term leases in place. The borrower has owned and operated the primary asset for several years, demonstrating strong tenant retention and proactive property management. With a defined exit strategy through a planned summer sale—timed for peak market demand—this offering presents a well-collateralized, low-risk opportunity in a supply-constrained, high-demand coastal market.
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.
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 Retail Hard Money Loan in The Hamptons
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 28, 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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