Secured Capital Structure Options
Explore how Trusted Income Fund, a 506(c) SEC-registered real estate debt fund, structures secured lending for accredited investors — from senior debt to bridge financing — governed by a maximum 75% loan-to-value discipline that has historically generated 20% annualized returns. Our affiliated mortgage lending business originates high-quality loans and helps recover fund capital by assisting borrowers with refinancing into longer-term financing.
75%
Maximum loan-to-value
20%
Historical annualized returns
A Disciplined Framework Behind Every Structure
Before allocating capital to any position in the lien stack, Trusted Income Fund applies the same regulatory foundation, underwriting standards, and performance discipline. Understanding this framework helps investors evaluate each secured structure on the pages that follow.
SEC 506(c) Registered
It's a 506C SEC registered fund. Every capital structure we offer is originated and managed within this compliant framework, giving accredited investors a transparent path to participate in secured real estate debt.
Conservative Loan-to-Value Discipline
We lend a maximum of 75% of the property value. This underwriting ceiling is applied consistently across every position in the capital stack, preserving a margin of protection behind each loan we originate.
A Track Record of Performance
Historically we have generated 20% annualized returns for our investors. Disciplined underwriting and active loan management inform how capital is deployed across each structure detailed below.
Supported by an Affiliated Mortgage Lending Business
Our affiliated mortgage lending business originates high-quality loans across each capital structure and helps recover fund capital by assisting borrowers in refinancing into longer-term financing once a project stabilizes. This in-house origination and refinance pipeline supports the underwriting discipline behind every structure the fund offers.
Four Secured Lending Structures, One Underwriting Standard
Every structure below is deployed within Trusted Income Fund’s 506(c) SEC-registered offering and has historically contributed to 20% annualized returns for our investors. Explore each option to understand where it sits in the capital stack.
Senior Secured / First Lien Debt
Our core lending position: first-priority loans secured by real estate, underwritten to a maximum of 75% loan-to-value so investor capital sits ahead of other claims on the property.
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Mezzanine Financing & Preferred Equity
Subordinate capital layered beneath senior debt, structured to help sponsors complete their capital stack while targeting the higher yields associated with a secondary secured position.
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Construction & Development Loans
Draw-based financing for ground-up construction and value-add development, underwritten by our team within the discipline of our 506(c) SEC-registered fund structure.
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Bridge & Transitional Lending
Short-term capital for properties in transition, with our affiliated mortgage lending business helping borrowers refinance into longer-term loans to recover fund capital for reinvestment.
Learn moreWhy Invest in Secured Real Estate Debt
As a 506(c) SEC-registered fund, Trusted Income Fund structures every capital option — from senior secured debt through bridge financing — around the same disciplined principles: conservative loan-to-value lending, insured collateral, and a dedicated path to loan repayment. Our affiliated mortgage lending business originates high-quality loans on the front end and works directly with borrowers to refinance into longer-term financing, helping recover fund capital efficiently across each structure below.
Consistent, reliable income
Each secured structure is underwritten to generate predictable interest income, with our fund historically producing 20% annualized returns for investors across market cycles.
Secured by real estate
Every position across our capital structures is collateralized by real property, and we lend a maximum of 75% of property value (LTV) to preserve a meaningful equity cushion beneath each loan.
Insured by property insurance
Underlying collateral is required to carry property insurance coverage, adding a further layer of protection for capital deployed across senior, mezzanine, construction, and bridge positions.
How We Protect Investor Capital Across Every Structure
Regardless of which secured capital structure a loan falls under, Trusted Income Fund applies the same underwriting discipline. Conservative leverage, required property insurance, and a 506(c) regulatory framework work together to safeguard the capital our investors entrust to the fund — historically supporting 20% annualized returns.
Conservative Loan-to-Value Discipline
Every loan across our secured capital structures is underwritten to a maximum of 75% loan-to-value. This built-in equity cushion protects investor capital even in the event of a market downturn or borrower default.
Property Insurance Requirements
Each underlying property securing a loan in the fund's portfolio is required to carry property insurance, adding a further layer of protection for the collateral behind investor capital.
SEC 506(c) Regulatory Framework
Trusted Income Fund operates as a 506(c) SEC-registered fund, offering accredited investors a compliant, transparent structure with disciplined underwriting standards applied across every capital structure option.
In-House Origination & Refinance Pipeline
Our affiliated mortgage lending business originates high-quality loans directly and works with borrowers to refinance into longer-term financing, helping recover fund capital efficiently and keep it working across new opportunities.
Frequently Asked Questions
Answers to common questions accredited investors ask about our secured capital structures, risk tiers, liquidity, and 506(c) eligibility.
Ready to Explore Secured Investment Opportunities?
Connect with Trusted Income Fund to learn more about our capital structure options.
As a 506(c) SEC-registered fund, Trusted Income Fund lends a maximum of 75% of property value across every capital structure we offer, and has historically generated 20% annualized returns for our investors. Our affiliated mortgage lending business originates high-quality loans and helps recover fund capital by assisting borrowers with refinancing into longer-term financing — a discipline that supports every tier of our secured lending strategy.