FUND II
Offering I - Northwest Arkansas (NWA)
Investment Thesis
Offering I is a targeted allocation within 1912 Capital’s Fund II, focused exclusively on Northwest Arkansas (NWA). Northwest Arkansas is one of the fastest-growing and most supply-constrained housing markets in the U.S. The region is anchored by major employers, including Walmart, Tyson Foods, and J.B. Hunt, which continue to drive steady job creation and inbound migration.
Market Opportunity
The NWA growth has created a persistent imbalance between housing supply and demand, particularly in the $150K–$300K price range where affordability remains strong and buyer activity is consistent. As a result, experienced real estate fix and flip investors are actively acquiring and renovating homes to meet this demand but require reliable, fast-access capital to execute.
Why It Works
WHY NORTHWEST ARKANSAS
Strong population + job growth
Major employers: Walmart, Tyson, J.B. Hunt
High demand for affordable housing - $175K AVG
Limited new construction
Supply & Demand Imbalance
Reliable exit demand
STRATEGY
First-position on every loan
6–9 month terms
Max 65% LTARV
Experienced borrowers only
TERMS
10–12% fixed returns
Paid monthly or compounded
Raise Max: $5,000,0000 (30 loans)
$50,000 minimum
2 year term
U.S Accredited Investors
TRACK RECORD
$20M+ deployed in FUND I
125+ loans
~2% default rate
0 investor losses
Never missed a payment distribution
OFFERING VIDEO
Deal Sheet
Core Markets
Northwest Arkansas is centered around Benton and Washington Counties, with key cities including:
Bentonville – Corporate hub with strong appreciation and high-income buyer demand
Rogers – Balanced growth market with strong retail and residential expansion
Springdale – Workforce housing center with high demand for affordable homes
Fayetteville – University-driven stability with consistent rental and resale demand
“Northwest Arkansas combines durable economic fundamentals with a clear housing shortage, creating a stable and repeatable lending environment. For investors, this translates into access to short-term, asset-backed opportunities with consistent income potential and strong downside protection." -Damon Cuzick - Managing Partner
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FUND II PPM
Operating Agreement
Rule 506(c)
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Our Secret Sauce: Unchanged Midwest Real Estate Market
Dr. Court Koshar
1912 Capital Co-Founder
Banks Pulling Back Creates More Opportunity for Private Lenders
While headlines often focus on volatility in coastal housing markets, a quieter story continues to unfold across the Midwest, one defined by stability, affordability, and consistent demand.
Stable home prices with less volatility than coastal markets
Affordable entry points create consistent buyer demand
Strong margins for fix-and-flip investors
Lower competition compared to major metros
Resilient local economies supporting housing demand.
Consistent deal flow in the $150K–$300K range
At its core, the Midwest real estate market offers something increasingly rare in today’s environment: consistency. And in a world where many investment strategies depend on timing and market swings, consistency can be one of the most powerful advantages of all.
Check out a few of Our borrowers
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