Capital is deployed
Fund capital supports short-term loans to qualified real estate operators with defined projects and exit strategies.
1912 Capital Fund II
Earn income from the side of real estate that gets paid first.
Access a private credit strategy built around short-term, asset-backed loans to experienced residential real estate investors in affordable Midwest markets.
For accredited investors. Investing involves risk, including possible loss of principal.
$26M+AUM
160+Loans funded
80%+Repeat borrowers
8Midwest states
$170KAvg. loan size
65%Max LTARV
The thesis
Be the lender,
not the landlord.
1912 Capital finances investors who acquire, renovate, and sell residential properties. Fund investors participate through the lending side of the transaction rather than owning and operating the homes directly.
Loans are asset-backed
Underwriting centers on collateral value, project economics, borrower capability, and an appropriate margin of safety.
Borrowers execute
Operators acquire and improve homes while 1912 Capital manages servicing, draws, and portfolio oversight.
Principal is recycled
As loans repay, available capital can be redeployed into new opportunities, subject to fund terms and market conditions.
Built for discipline
Yield starts with underwriting.
Fund II is designed to pursue income through a repeatable, real-estate-secured lending process—not by relying on speculative appreciation.
Schedule an investor call ↗Collateral-first evaluation
Each opportunity is evaluated against the property, budget, projected value, borrower experience, and exit plan.
Short-term loan profile
Fix-and-flip lending is tied to defined renovation and disposition timelines, creating a different exposure than long-duration equity ownership.
Local market knowledge
The strategy emphasizes affordable housing markets with active investor communities and consistent borrower demand.
Experienced oversight
The team brings experience across acquiring, developing, lending on, and operating residential real estate.
Return tiers
Competitive returns. Aligned incentives.
Fund II offers three fixed annual return tiers, with distributions paid monthly on or about the 10th.
Class A
10%Fixed annual return- Minimum
- $50,000+
- Distributions
- Paid monthly
or compounded - Term
- 2 years
Class B
11%Fixed annual return- Minimum
- $250,000+
- Distributions
- Paid monthly
or compounded - Term
- 2 years
Class C
12%Fixed annual return- Minimum
- $1,000,000+
- Distributions
- Paid monthly
or compounded - Term
- 2 years
Class D Family office
13%Fixed annual return- Minimum
- $5,000,000+
- Distributions
- Paid monthly
or compounded - Term
- 2 years
Returns and terms are subject to the current offering documents. Review the PPM for complete details, risks, fees, and eligibility requirements.
Investor calculator
Model your Fund II income.
Compare monthly distributions with monthly compounding across the current 10%, 11%, and 12% annual return tiers.
Projected total valueMonthly distributions at 10%
Value + distributions
For illustrative purposes only. Projections are not guarantees and do not account for taxes, fees, timing differences, or changes to offering terms. The Fund’s current offering documents control.
Market expansion
Where local demand meets disciplined capital.
Fund II combines conservative, asset-backed lending with a focused expansion strategy across high-demand markets.