Yieldi | Private Mortgage Lending: A Smarter Alternative Investment
Investor Starter Toolkits
Investors

The Role of Private Mortgage Lending in Alternative Investing

Eric Rhodes

April 3, 2025 · 3 min read

When investors start looking outside the stock market for better returns and lower volatility, private mortgage lending often floats to the top of the list. Why? Because it combines the predictability of fixed-income investments with the security of real estate-backed collateral. It’s a niche corner of alternative investing—but one with growing appeal.

Let’s break down why private lending is playing a bigger role in modern portfolios, and why firms like Yieldi are leaning into this model.

What Is Private Mortgage Lending? Private mortgage lending is pretty straightforward. Instead of going through a traditional bank, real estate investors or developers secure funding from private sources—people or institutions willing to lend capital secured by a piece of property. In return, the lender receives regular interest payments, backed by the value of the real estate itself.

Platforms like Yieldi give investors the opportunity to become the lender—investing in first-position real estate loans with strong loan-to-value ratios, short durations, and clear exit strategies.

Why is it gaining traction among investors?

We’re in an environment where bonds aren’t delivering the yields many investors are looking for. Meanwhile, volatility in equities has some folks wondering if it’s time to hedge with fixed-income alternatives.

That’s where private mortgage lending comes in:

  • It provides a passive, consistent income stream
  • The loans are backed by tangible assets
  • Investors often sit in a senior position (first lien)
  • The returns typically range from 8–11%, depending on the risk profile

And unlike speculative equity plays, real estate debt offers a defined term and clear structure. You know your yield up front—and with Yieldi, you can track your investments and earnings in real time.

How It Fits Into a Diversified Portfolio

If you’re building a modern portfolio, you’re likely thinking in terms of risk-adjusted returns. Private real estate debt can complement traditional holdings by offering:

  • Non-correlated returns to the stock market
  • Shorter duration fixed-income exposure
  • A hedge against inflation (real estate generally appreciates over time)
  • Monthly cash flow that doesn’t rely on a company’s earnings report or dividend policy

And let’s not forget: you’re investing in something real. This isn’t crypto. It’s not pre-revenue startups. It’s bricks, dirt, and legal documents that put your capital first in line.

Why Yieldi? We’re not new to this. Yieldi was built by real estate professionals who understand risk, underwriting, and how to protect investor capital. We source and structure bridge loans and hard money loans across markets all across the United States with an average loan-to-value of 65%. That means there’s a substantial equity cushion in every deal.

As a nationwide hard money lender, we focus on:

  • First-lien real estate debt
  • Conservative underwriting
  • Transparency
  • Consistent investor payouts

Whether you're interested in bridge lending, passive income, or simply finding a better use for idle capital, private mortgage lending through Yieldi is worth a closer look.

Investment Basics, Investors
Why Georgia is One of the Best States for Real Estate Investors in 2025

Looking to expand your real estate portfolio in 2025? Smart investors across the country have their eyes on Georgia —...

Read More
Borrowers, Investors
What Is a Bridge Lender?

Introduction In the fast-paced world of real estate, having quick access to funds can make all the difference between seizing...

Read More

Ready to start investing?

Schedule a Call
Borrowers, Investors
What Is a Bridge Lender?

Introduction In the fast-paced world of real estate, having quick access to funds can make all the difference between seizing...

Read More
Borrowers, Investors, Lenders
The Future of Lending: AI-Driven Loan Origination and Approval

The lending industry is undergoing a digital transformation, and at the forefront of this change is artificial intelligence (AI). Traditional...

Read More
Investors
How Private Lending Can Strengthen Your Real Estate Investment Portfolio

Private lending is an increasingly popular strategy for real estate investors seeking flexible, high-yield financing options. At Yieldi, we specialize...

Read More
Read Full Disclosure
THIS PRESENTATION FOR YIELDI, LLC (THE “FUND”) AND ANY APPENDICES OR EXHIBITS IS PROVIDED TO YOU ON A CONFIDENTIAL BASIS AT YOUR REQUEST FOR INFORMATIONAL PURPOSES ONLY AND IS NOT, AND MAY NOT BE RELIED ON IN ANY MANNER AS, LEGAL, TAX OR INVESTMENT ADVICE OR AS AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY AN INTEREST IN THE FUND. THIS PRESENTATION IS CONFIDENTIAL AND IS ONLY BEING PROVIDED TO “ACCREDITED INVESTORS” WITHIN THE MEANING OF THE SECURITIES ACT OF 1933, AS AMENDED. RECIPIENTS OF THIS PRESENTATION MAY NOT REPRODUCE, REDISTRIBUTE OR PASS ON, IN WHOLE OR IN PART, IN WRITING OR ORALLY OR IN ANY OTHER WAY OR FORM, THIS PRESENTATION OR ANY OF THE INFORMATION SET OUT HEREIN. A
private offering of Borrower Payment Dependent Notes (“Notes” or “Note”) will only be made pursuant to a confidential private placement memorandum (the “Offering Memorandum”), each specific Note, and the Fund’s subscription documents, which will be furnished to qualified investors on a confidential basis at their request for their consideration in connection with such offering. This document does not purport to contain all the information that may be required to evaluate an investment in a Note and is subject to completion and amendment. Any prospective investor is advised to carefully review all of the Offering Memorandum, the Note, and the Fund’s subscription documents. Certain factual information has been obtained from third-party sources believed to be reliable but has not been independently verified. The Fund may change some terms of the Offering prior to finalization of the Memorandum. The information contained herein will be superseded by, and is qualified in its entirety by reference to, the Offering Memorandum, which contains additional information about the investment objective, terms and conditions of an investment in a Note or Notes and also contains tax information, information regarding conflicts of interest and risk disclosures that are important to any investment decision regarding a Note or Notes. No person has been authorized to make any statement concerning the Fund other than as set forth in the Offering Memorandum and a Note, and any such statements, if made, may not be relied upon. The information contained herein must be kept strictly confidential and may not be reproduced, redistributed or otherwise used without Yieldi, LLC’s express written approval. Each recipient, by accepting these materials, is deemed to agree to the foregoing, and to agree to return these materials promptly upon request. An investment in a Note or Notes of the Fund is highly speculative and involves significant risks, including potential loss of the entire investment. Before deciding to invest in a Note or Notes, prospective investors should pay particular attention to the risk factors contained in the Offering Memorandum. Investors should also have the financial ability and willingness to accept the risk characteristics of a Fund Note or Notes according to their terms.  An investment in a Note or Notes is not suitable or desirable for all investors and only qualified eligible investors may invest in the Fund. Past performance is not indicative of future returns or Fund results. The views expressed herein represent the opinions of the Fund and are not intended as a forecast or guarantee of future results. Individual investment performance, examples provided and/or case studies are not indicative of overall returns of a Fund Note. In addition, there can be no guarantee of deal flow in the future. Images displayed on this website and in related marketing materials are for illustrative purposes only and may not represent the actual property, project, or investment opportunity. Any depictions are provided solely to convey the general character of Yieldi’s offerings and should not be relied upon as an exact representation of any specific asset. Some of the statements in this Presentation, including those using words such as “targets,” “believes,” “expects,” “intends,” “estimates,” “projects,” “predicts,” “anticipates,” “plans,” “pro forma,” and “seeks” and other comparable or similar terms are forward-looking statements. Forward looking statements are not statements of historical fact and reflect Fund’s views and assumptions as of the date of the Presentation regarding future events and performance. All forward-looking statements address matters that involve risks and uncertainties. Accordingly, there are important factors that could cause a Note or Notes actual results to differ materially from those indicated in these statements. The Fund believes that these factors include, but are not limited to, those described in the “Risk Factors” section of Fund’s Memorandum. The performance figures set forth in this document are provided to you with the understanding that, as a sophisticated investor, you understand the inherent limitation of such illustrations, will not rely on them in making any investment decision, and will use them only for the purpose of evaluating your preliminary interest in investing in a Note or Notes of the Fund. Any performance data represents past performance. Any performance information included in this document is for information purposes only. The Fund makes no guarantee that it will be able to achieve similar results. Targets are objectives and should not be construed as providing any assurance as to the results that may be realized in the future from investments in a Note or Notes of the Fund. HISTORICAL PERFORMANCE IS NOT AN INDICATOR OR GUARANTEE OF FUTURE RESULTS. No representation or guarantee is made that the Fund will or is likely to achieve its investment objectives or be able to avoid losses This document contains selected information regarding transactions entered into by the Fund on behalf of other accounts and clients. The purpose of any historical information is to provide prospective investors with examples of investments the Fund has made in the market in which the Fund expects to invest and illustrate the types of investments that may be targeted by the Fund. Prospective investors should not rely on this information in making an investment decision, as the investments of the Fund in the past and the investments made in the future may be materially different from any historical investments. In view of the foregoing,  there can be no assurance the Fund will make investments similar to those that may be described herein or be able to achieve comparable results or avoid losses. The Fund has not filed, nor does it currently intend to file, a prospectus or similar document with any securities regulatory authority. No securities regulatory authority has passed upon the value of an investment in a Note or Notes of the Fund, made any recommendations as to a purchase of any securities of the Fund, approved or disapproved of the offering of any securities of the Fund, or passed upon the adequacy or accuracy of this document. Any representation to the contrary is unlawful. This document does not constitute an offer or a solicitation in any jurisdiction to any person or entity to which it is unlawful to make such offer or solicitation in such jurisdiction. Prospective investors should make their own investigations and evaluations of the information contained herein. Prior to the closing of a private offering of a Note or Notes of the Fund, the Manager of the Fund will give investors the opportunity to ask questions and receive additional information concerning the terms and conditions of such offering and other relevant matters. Each prospective investor should consult its own attorney, business adviser, and tax adviser as to legal, business, tax and related matters concerning the information contained herein and such offering. Except where otherwise indicated herein, the information provided herein is based on matters as they exist as of the date of preparation and not as of any future date, and will not be updated or otherwise revised to reflect information that subsequently becomes available, or circumstances existing or changes occurring after the date hereof. AN INVESTMENT IN THE FUND INVOLVES RISK, AND NUMEROUS FACTORS COULD CAUSE THE ACTUAL RESULTS, PERFORMANCE OR ACHIEVEMENTS OF FUND TO BE MATERIALLY DIFFERENT FROM ANY FUTURE RESULTS, PERFORMANCE OR ACHIEVEMENTS THAT MAY BE EXPRESSED OR IMPLIED BY STATEMENTS AND INFORMATION IN THIS PRESENTATION. SHOULD ONE OR MORE OF THESE RISKS OR UNCERTAINTIES MATERIALIZE, OR SHOULD UNDERLYING ASSUMPTIONS PROVE INCORRECT, ACTUAL RESULTS MAY VARY MATERIALLY FROM THOSE DESCRIBED IN THIS PRESENTATION.