1912 FUND II - Now Open

Expanding Into New Markets - NW Arkansas, Tennessee, Indiana

  • Cash on Cash Return– Immediate Fixed 10-12% Annual Return -Paid Monthly. Enjoy double digit returns.

  • First-position – First-position, asset-backed loans put us first in line for repayment before any other lenders. This structure is designed to protect investor capital while delivering consistent, reliable returns.

  • Conservative Leverage - Max 65% LTARV – Capped at 65% LTARV ensures every deal has meaningful built-in equity. This margin of safety helps protect investor capital and maintain consistent performance.

  • Midwest Only– Midwest-focused investments target stable, affordable housing markets with strong demand. This approach supports consistent deal flow and more reliable performance.

  • Fast Execution Creating Strong Borrower Demand – Fast, reliable execution helps borrowers close in days—not weeks—when timing matters most. This speed creates strong, consistent demand from experienced operators.

  • Accredited Investors Only – Open to U.S. accredited investors with a $50,000 minimum investment. Designed for those seeking stable, income-focused exposure to asset-backed private credit.

WATCH FUND II OFFERING VIDEO

1912 Capital Offering

Investment Thesis

Focus on lending to borrowers in affordable Midwest housing markets supported by strong, durable demand fundamentals, where pricing remains stable and accessible. By structuring first-lien, asset-backed loans with conservative leverage, we prioritize capital preservation while maintaining meaningful downside protection.
Our strategy is designed to generate consistent income through short-term lending, reducing exposure to long-term market volatility. We partner with experienced, repeat borrowers who have proven execution track records, helping to mitigate operational risk. This disciplined approach allows us to remain flexible and adapt to changing market conditions while delivering reliable, risk-adjusted returns.

Market Opportunity

Traditional banks continue to underserve real estate investors—particularly in smaller Midwest markets—creating a consistent need for private, fast-moving capital. 1912 Capital is positioned to fill this gap by acting as a reliable lending partner to experienced operators in stable, affordable housing markets.

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Why Alternative Assets

investing in alternative Assets - private credit

Why Alternative Assets Are Gaining Momentum Among Investors

understanding Private Credit or debt fund

  • Diversification – Diversification beyond stocks and bonds helps reduce overall portfolio volatility.

  • Predictable – More predictable, income-focused returns compared to public markets.

  • Stability– Lower correlation to market swings, providing stability during downturns.

  • Preservation – Access to asset-backed investments that prioritize capital preservation.

  • Demand – Increasing demand as traditional banks pull back, creating attractive opportunities.

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 rang

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.

📈 Private credit has grown into a $1.5T+ market, backed by real assets and consistent demand.

Track Record

Discover how You

Check out our team with a few borrowers

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