Question 1

What is an IHIG investment opportunity?

Accepted Answer

A short-term balloon mortgage note secured by South Florida residential real estate, originated by a licensed lending company, with monthly interest distributions and return of capital at maturity according to the terms of the specific transaction.

Question not answered?

Speak directly with someone from our team.

Question 2

What secures each investment?

Accepted Answer

Each opportunity is secured by residential real estate collateral, supported by property valuation, title verification and documentation executed at closing.

Question 3

Where are the properties located?

Accepted Answer

IHIG focuses on South Florida — primarily Miami-Dade, Broward and Palm Beach counties.

Question 4

How are opportunities selected?

Accepted Answer

Opportunities are reviewed with a collateral-first approach: independent property appraisal, title verification confirming the property is free of all prior liens and mortgages, borrower vetting by the licensed lending company, and insurance against catastrophic events — all completed before closing, at a maximum 20% loan-to-value.

Question 5

How often are distributions made?

Accepted Answer

Interest distributions are made monthly, according to the terms of each individual opportunity.

Question 6

When is principal returned?

Accepted Answer

Principal is returned at maturity, following repayment of the underlying obligation.

Question 7

What documentation does an investor receive?

Accepted Answer

Investors receive the closing package and supporting investment documentation for the specific opportunity, executed at closing.

Question 8

What is the typical investment duration?

Accepted Answer

Opportunities are short duration, typically structured around 8 to 14 months depending on the specific opportunity.

Question 9

Does every investor receive the same opportunities?

Accepted Answer

No. Opportunities are specific transactions with their own property, structure, term and documentation, and availability varies as new opportunities are originated.

Question 10

Who can participate?

Accepted Answer

Participation is intended for accredited investors and capital partners. Contact the IHIG team to discuss suitability and currently available opportunities.

Question 11

Why do borrowers choose private mortgage financing?

Accepted Answer

Because of speed, certainty and flexibility. Residential transactions in South Florida are often time-sensitive, and conventional lending is built around documentation cycles, committee approvals and standardized borrower profiles. A borrower who needs to close quickly, or whose situation does not fit a bank template, uses private capital for a short period and pays a higher rate for that certainty of timing.

Question 12

How is collateral evaluated?

Accepted Answer

An independent appraiser establishes the property's market value from comparable sales in the same market. The licensed lending company then verifies the title is free of prior liens and mortgages, confirms catastrophic-event insurance, and sizes the loan at no more than 20% of the appraised value. All of this is completed before the mortgage is originated and before any funds move.

Question 13

Who originates the loans?

Accepted Answer

A licensed lending company operating under applicable Florida law originates and services every mortgage. It underwrites the borrower, prepares the note and mortgage instruments, and administers payments for the life of the loan. IHIG sources capital from accredited investors, coordinates the transaction, and oversees compliance and documentation.

Question 14

How are monthly payments made?

Accepted Answer

Interest is paid monthly on a date determined by when documents were signed: documents signed between the 1st and the 15th are paid on the 1st of every month, and documents signed between the 16th and the last day of the month are paid on the 15th. The rate is fixed at origination, so each payment is the same amount for the full term.

Question 15

How is principal returned?

Accepted Answer

In a single balloon payment at maturity. Nothing is amortized during the term, so the full principal remains outstanding and earning until the borrower repays the loan, at which point the investor receives 100% of the original capital.

Question 16

What documentation is provided?

Accepted Answer

The executed closing package for the specific transaction: the investment agreement, the loan note, the mortgage instrument and the property warranties, supported by the independent appraisal, title verification and insurance confirmation. Documents are signed, notarized and sent to each participant on the closing date.

Question 17

Can investors review opportunities individually?

Accepted Answer

Yes. Each opportunity is a specific transaction with its own property, structure, term and documentation rather than an interest in a pooled fund. Investors review the collateral and the terms of an individual opportunity before deciding whether to participate.

Question 18

What is a balloon mortgage note?

Accepted Answer

A short-term mortgage note where fixed simple interest is paid monthly during the term and the full principal is repaid in a single balloon payment at maturity. IHIG opportunities are balloon mortgage notes secured by South Florida residential property.

Question 19

What does "non-registered" mean?

Accepted Answer

Non-registered does not mean unprotected. It means the mortgage is not recorded in the public registry, but your legal claim on the property is fully enforceable. It is a legal mortgage instrument, an enforceable claim on the property, and protected by a clean title requirement — not unregulated, not without recourse in default, and not junior to unknown liens.

Question 20

Who originates and services the loans?

Accepted Answer

Loans are originated and serviced by a licensed lending company operating under applicable Florida law with full regulatory oversight. IHIG sources capital from accredited investors, coordinates with the lending company, and oversees compliance and documentation throughout the life of the note.

Question 21

When exactly do monthly payments arrive?

Accepted Answer

Documents signed between the 1st and 15th of the month receive their monthly payment on the 1st of every month. Documents signed between the 16th and the last day of the month receive their monthly payment on the 15th of every month.

Question 22

What is the maximum loan-to-value?

Accepted Answer

20%. The lending company never lends more than one-fifth of the property's appraised value, meaning the property would need to lose 80% of its market value before investor capital is at risk.

Question 23

How is investor income structured?

Accepted Answer

Fixed simple interest paid monthly during the term, with full principal returned at note expiration. The rate is fixed at origination and independent of market volatility, and is defined by the documentation of each specific transaction.

Question 24

When is capital deployed?

Accepted Answer

Capital is positioned for deployment 3 days in advance of the closing date. On the closing date documents are signed, notarized, and immediately sent to each participant.

Questions investors ask.

Frequently asked.

Discuss current opportunities with the IHIG team.