Lending to Investors. Delivering for Investors
Stable, affordable housing markets combined with conservative leverage and first-position lending can produce consistent, double-digit returns while protecting investor capital.
We believe real estate lending works best when:
• The acquisition basis is low
• Borrowers have real margin
• Loans are conservatively structured
• Collateral sits in stable, landlord-friendly markets
• Capital preservation comes before yield
Rather than chasing appreciation cycles in volatile coastal markets, we focus on predictable, repeatable execution in the Midwest and Mid-South.
1912 Capital’s market strategy is built on geographic discipline, conservative leverage, and repeat execution.
We focus exclusively on stable, affordable Midwest and Mid-South markets where homes typically trade between $150,000–$300,000. These markets provide strong rental demand, landlord-friendly environments, and consistent buyer pools creating predictable liquidity for fix-and-flip investors.
By lending at a maximum of 65% Loan-to-After-Repair Value in first position, we create meaningful equity cushion on every deal. Lower acquisition prices allow borrowers to maintain real renovation margins while giving investors stronger downside protection.
Rather than chasing appreciation in volatile, high-cost markets, we operate where affordability drives demand and margin drives profitability.
Tarket Markets:
Alabama
Arkansas
Indiana
Missouri
Ohio
Oklahoma
Tennessee
Our strategy is built on affordability, conservative leverage, and first-position security. By prioritizing structural protection over speculation, we seek to deliver consistent, asset-backed double-digit returns while preserving investor capital across market cycles.