Risk Management
The controls applied before capital moves.
Every opportunity passes through the same eight measures — collateral, counterparty, documentation and duration — before an investor is asked to participate.
Risk cannot be eliminated from lending. It can be identified, sized and structured against, which is what each of the controls below is designed to do.
- 01
Independent Property Appraisals
Every collateral property is appraised by an independent appraiser before the mortgage is originated. Value is established by a third party working from comparable sales in the same market — never by the borrower and never by IHIG — because the appraisal is the number the entire loan-to-value calculation rests on.
- 02
Title Verification
Before funds move, the licensed lending company verifies the property is completely free of prior liens and mortgages. This confirms the investor's claim is first in line, which determines who is repaid first if the property is ever sold or enforced against.
- 03
Borrower Due Diligence
The licensed lending company conducts full due diligence on every borrower, including the purpose of the loan and the intended source of repayment. Collateral is the primary protection, but understanding how the borrower plans to repay is what makes an on-time balloon payment likely rather than merely secured.
- 04
Licensed Lending Company
Origination and servicing are performed by a licensed lending company operating under applicable Florida law with full regulatory oversight. Keeping regulated activity with the regulated party separates the roles cleanly: the lending company originates and administers, IHIG coordinates capital, compliance and documentation.
- 05
Legal Documentation
Each transaction is executed with a complete documentation set — investment agreement, loan note, mortgage instrument and property warranties. Documentation is the mechanism of enforcement: it identifies the collateral, fixes the rate and maturity, and establishes recourse in default.
- 06
Conservative Loan-to-Value
The lending company never lends more than 20% of a property's appraised value, leaving an 80% buffer in the collateral. A property would have to lose four-fifths of its market value before outstanding principal exceeded the value securing it.
- 07
Defined Maturity
Short 8–14 month terms limit the period during which market conditions can change while capital is committed. A known repayment date is itself a risk control — exposure is measured in months, not in market cycles.
- 08
Monthly Reporting
Interest is distributed monthly on a fixed schedule tied to the signing date, giving investors a regular, verifiable signal that the note is performing rather than a single answer at maturity.
Important
Private mortgage investments carry risk, including risk of loss and delayed repayment. These measures are designed to reduce and manage risk; they do not eliminate it. Terms, collateral and documentation are defined by each specific transaction.
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