LX  Investor Network                                             201-822-1884
Mortgage Investments
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Investment information
MORTGAGE LOANS 
Hard money loans up to 80% loan to value. The risk/return grades are bank grade and higher, with yields in the 9-14% range.



PROFIT-SHARING INVESTMENTS 

Funding of purchase and purchase and renovation of distressed properties, which are then resold, or bank refinanced. Common terms are: 12% per year, plus a 5% profit share on exit.

Our market place
Undervalued markets within NYC commuting range: High profit margins, cash-flows, and strong resale markets.

Investment strategy
Project viability and risk avoidance are primary considerations. Investments rarely exceeds 65% of the after repair value. The exit is either a refinance or re-sale. Prospective end-buyers are often identified early on. Our investment criteria include:

  • 2-4 family properties with solid cash flow to support a profitable hold in case of a delayed exit.
  • A capable developer who has the experience and delivery skills to handle the project.
  • High profit margin. The intrinsic equity validates the investment, and provides a margin of safety.
  • Resale viability. The property must be marketable, with the right rehab, pricing, and resale strategy.

We're a network, not a fund 
Each investment stands on it's own, with first mortgage security for each participating investor. Investors send funds to the closing attorney, and upon conclusion receive funds directly back. LX Financial usually does not handle investor funds, payment processing excepted. 

Flexible investment amounts
We can often accommodate investments for less than the full amount needed with a pari-passu structure. In this case multiple investors fund a portion, and still each receive first mortgage security. It allows you to match your investment amount with your available cash.

LX Financial role and co-investment

We originate the investments and handle the loan servicing and management. LX Financial LLC is a co-investor in every project, receives no upfront income, and gets paid out at the same time all investors are.