Private Lending Program

Earn 12–15% Annualized, Secured by South Florida Real Estate

Lend alongside a veteran-founded acquisitions team buying deeply discounted off-market properties in Broward, Miami-Dade, and Palm Beach β€” with your capital secured by recorded interests in the underlying real estate.

12–15%Annualized lender returns
6–18 moTypical repayment window
25+Deals closed
SecuredBy recorded property interests
How It Works

A disciplined, data-driven strategy

We acquire undervalued South Florida assets β€” with a specialty in probate and heir-interest acquisitions β€” at steep discounts, resolve title, add value, and exit. Lender capital funds the acquisitions; lenders are repaid with interest at resale.

Proprietary sourcing

Our exclusive heirship database and sourcing engine identify unprobated and off-market properties with exceptional discounts β€” 50+ unprobated estates cross our pipeline annually.

Due diligence

Comprehensive evaluation of property value, heirship claims, title condition, and risk before a dollar moves.

Secured acquisition

We negotiate discounted acquisitions; lender capital is secured by recorded interests in the property with clear documentation.

Value & exit

Probate managed with precision, strategic enhancements where warranted, then resale or lease-up β€” lenders repaid principal plus 12–15% annualized interest, typically within 6–18 months.

Sample Transaction

The math on a typical deal

Acquisition

Property value: $500,000
Acquire 3 heir interests @ $30,000: $90,000
Legal costs: $10,000
Total deployed: $100,000

Exit & Lender Return

Resale (after title resolution): $375,000–$500,000
Typical hold: 6–18 months
Lender interest: 12–15% annualized
Security: recorded property interests

πŸ’° Calculate your potential return

Track Record

Real deals, real outcomes

25+ heir-interest deals closed since founding. A sample:

🏠 Miami Residential Flip

$400k property acquired for $80k via heir interests; title resolved; sold $375k within 12 months.

🏒 Fort Lauderdale Rental

$600k property secured for $150k + $50k renovation; converted to a rental producing $4,500/month.

🌳 Broward Land Sale

Heir interests in a $300k lot purchased for $70k; legal hurdles cleared; sold $280k within 18 months.

The Team

Decades of specialized expertise

Matthew Ricci β€” Founder

15+ years in real estate investment, specializing in probate and heir-interest acquisitions. U.S. veteran. Builder of the SPREADβ„’ pricing engine and the proprietary sourcing platform behind the pipeline.

Jonathan Mariani β€” Partner

Deep command of South Florida's legal landscape β€” oversees probate processes and title resolutions with precision, turning encumbered assets into clean, sellable properties.

FAQ

Straight answers

?

How is my capital secured?

By recorded interests in the underlying real estate, with documentation executed at funding. Detailed structure is covered in the lender packet and individual agreements.

?

What are the minimums?

We deploy $200,000–$750,000 per year across 5–15 properties; individual participations are discussed in the packet. Self-directed IRA capital welcome.

?

When do I get paid?

Principal plus accrued interest at exit β€” typically 6–18 months, upon resale of the property.

?

Why heir interests?

When an owner passes, heirs often prefer immediate liquidity over a multi-year probate. We provide it β€” acquiring interests at steep discounts in a niche with roughly 15,000 opportunities across Florida and rising.

Private lending arrangements are made individually with qualified lenders under written agreements; this page is informational and is not a public offering of securities. Detailed financial projections available on request.

Request the Lender Packet

Projections, security structure, and current opportunities β€” delivered by email, followed by a call with Matthew.