Traditional Real Estate
- Long hold periods
- Appreciation dependent
- Timing dependent exits
- Return realized only on sale
Investment Strategy
Private credit backed by tangible South Florida real estate.
Short-duration private mortgage opportunities structured around monthly income, defined maturity, and conservative collateral positioning.
Why Private Credit
Lending against property behaves differently than owning it.
Owning property and lending against property are different exercises. An owner is compensated for time, market timing and eventual sale price. A lender is compensated on contract: a stated rate, a stated payment schedule and a stated maturity date, with the property standing as security rather than as the source of the return.
IHIG Strategy
- Defined maturity
- Fixed contractual return
- Short-duration lending
- Residential collateral
Borrower Demand
Why borrowers choose private capital.
The opportunity exists because of the borrower, not the investor. Understanding what a borrower is buying — time, predictability and a structure that fits a specific plan — explains why a short-duration mortgage can carry a fixed, above-market rate.
01
Speed
Residential transactions in South Florida are frequently time-sensitive. A borrower who needs to close in days cannot wait on a conventional underwriting queue, so private capital is used to meet the closing date and the borrower pays for that certainty of timing.
02
Certainty
Private lending decisions are made primarily on the collateral. When the property value, the title and the loan-to-value are clear, the outcome is predictable for both sides — which is exactly why a borrower will accept a higher rate for a shorter period.
03
Flexibility
Short balloon structures let a borrower match financing to a specific plan — completing a renovation, resolving a title matter, or bridging to a sale or a conventional refinance — instead of committing to a thirty-year instrument that does not fit the situation.
04
Conventional Lending Timelines
Bank processes are built around documentation cycles, committee approvals and standardized borrower profiles. Otherwise creditworthy borrowers fall outside those templates or simply outrun them, and that gap — not investor demand — is what creates the lending opportunity.
The Opportunity
A secured, fixed-yield instrument rooted in South Florida real estate.
International Homes & Investments Group Inc. offers accredited investors access to short-term balloon mortgage notes secured by South Florida residential property. With a defined term, a fixed simple interest rate, and full return of capital at maturity, IHIG's program is structured for investors who value certainty alongside competitive yield.
- 8–14
- Month Term (Typically 12–14)
Secured Position
Each note is secured by a specific South Florida residential property rather than by a pool or a corporate promise. Before funds move, the collateral is independently appraised and the title is verified free of prior liens and mortgages, so the investor's claim sits first against a property with an established market value. Because the security is identifiable, the investor always knows which asset stands behind the capital.
Licensed Origination
The mortgage itself is originated and serviced by a licensed lending company operating under applicable Florida law. That company 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 — origination stays with the licensed party that is regulated to perform it.
Balloon Repayment
The note pays fixed simple interest monthly, while the entire principal is repaid in a single balloon payment at maturity. Nothing is amortized away during the term, so invested capital keeps earning the applicable rate for the full period and the repayment date is known from the day documents are signed.
The IHIG Approach
Collateral-first underwriting, transaction by transaction.
Miami-Dade · Broward · Palm Beach
IHIG structures balloon mortgage notes secured by residential property and originated by a licensed lending company. Each opportunity is reviewed collateral-first: independent appraisal, title verification, borrower vetting and insurance are completed before closing, at a maximum 20% loan-to-value.
Accredited investors participate in defined, short-duration transactions built around fixed monthly income and full return of capital at maturity — not open-ended market exposure.
Asset Backed
Balloon mortgage notes collateralized by South Florida residential real estate.
Defined Duration
Short-duration notes of 8–14 months, typically 12–14 months, with full capital return at maturity.
Fixed Monthly Income
Collateral First
Property appraisal, title verification, borrower vetting and insurance are completed before closing, at a maximum 20% loan-to-value.
Structure
Designed around collateral, income and defined duration.
Real Asset Backing
Each opportunity is secured by residential real estate collateral.
Maximum LTV
20%
Maximum Loan-to-Value
Property value
Investment amount
Monthly Income
Fixed interest distributions paid monthly through the term.
- Month 1
- Month 2
- Month 3
- …
- Maturity
Short Duration
8–14 MONTHS
CloseMaturity
Defined cycles, structured per opportunity.
South Florida Focus
- Miami-Dade01
- Broward02
- Palm Beach03
Primary markets for origination and collateral review.
Underwriting & Investor Protections
A collateral-first approach to underwriting.
01 / 7
Property Appraisal
Every property is independently appraised before the mortgage is originated.
Illustrative representation of collateral review
Capital Protection
Protection Engineered Into Every Transaction
The loan-to-value ratio is the single most important protective feature of the structure. Because the licensed lending company never lends more than one-fifth of a property's appraised value, the collateral carries a substantial cushion before investor capital is exposed.
On a property appraised at $500,000, the maximum loan is $100,000. The property would have to lose 80% of its market value before the outstanding principal exceeded the value of the collateral — a decline well beyond historical South Florida residential corrections. The buffer is not a projection; it is set at origination and confirmed by an independent appraisal before any funds move.
20%
Maximum Loan-to-Value
80%
Property Value Buffer
Amount LentValue Buffer
- Appraised value is established by an independent appraiser, not by the borrower or by IHIG.
- Title is verified free of prior liens and mortgages so the claim is first in line.
- Collateral properties are insured against catastrophic events for the life of the note.
Transparency
What does "non-registered" mean?
Non-registered does not mean unprotected. It simply means the mortgage is not recorded in the public registry, but your legal claim on the property is fully enforceable.
What It Is
- A legal mortgage instrument
- An enforceable claim on the property
- Protected by a clean title requirement
What It Is Not
- Unregulated or illegal
- Without recourse in default
- Junior to unknown liens
Before any mortgage is originated, the licensed lending company verifies the property is completely free of all prior liens and mortgages. It is the company's duty to make sure your claim is first.
All mortgages are originated by a licensed lending company operating under applicable Florida law. Non-registered instruments carry legal enforceability under Florida statutes.
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