Trusted Income Fund, a real estate debt fund
Trusted Income Fund is an SEC-registered real estate debt platform that acquires, manages, and finances performing, sub-performing, and non-performing mortgage notes across the capital stack. Our institutional underwriting discipline and disciplined loan-to-value standards serve loan sellers, financial institutions, default servicers, commercial real estate borrowers, developers, brokers, and institutional investors seeking a dependable counterparty for note sales, portfolio acquisitions, and structured capital solutions.
Built on transparency, rigorous underwriting, and a track record of disciplined execution, the fund is structured to deliver consistent, risk-adjusted returns for accredited investors and family offices while providing regional banks, agencies, and private lenders with a trusted path to liquidity.
Institutional Expertise, Proven Track Record
Decades of combined experience in real estate debt acquisition, underwriting, and asset management guide every decision made on behalf of loan sellers, financial institutions, and institutional investors.
Jonathan R. Mercer
Managing Partner & Chief Investment Officer
Over 22 years of experience in real estate debt acquisition and structured finance, having overseen the acquisition of more than $1.2 billion in performing, sub-performing, and non-performing mortgage notes on behalf of institutional capital partners.
Diane K. Whitfield
Head of Underwriting & Portfolio Risk
Directs the fund's underwriting discipline and loan-to-value governance across all acquisitions, with a background in credit risk analysis for regional banks and default servicing operations spanning three economic cycles.
Marcus T. Alvarado
Director of Asset Management & Loan Workouts
Leads loan restructuring, modification, and REO disposition strategy, having managed workout resolutions for distressed commercial and residential note portfolios on behalf of banks, servicers, and private capital sources.
Institutional Discipline
Underwriting protocols and LTV governance built for regional banks, default servicers, and agency sellers.
Cross-Cycle Experience
Leadership has navigated multiple credit cycles across performing, sub-performing, and non-performing note acquisitions.
Direct Access
Loan sellers, brokers, and borrowers work directly with senior decision-makers, not intermediaries.
Partner With an Institutional-Grade Debt Fund
Connect with our team to learn more about our management approach and track record. Whether you are a loan seller, financial institution, default servicer, commercial real estate borrower, developer, broker, or institutional investor, our team is prepared to discuss mortgage note acquisitions, structured capital solutions, and portfolio opportunities tailored to your objectives.