Construction & Development Loans
Secured, income-generating debt investments backing ground-up construction and property development. Every loan is underwritten to a maximum of 75% loan-to-value, and the fund has historically delivered 20% annualized returns to investors — originated and monitored through our affiliated mortgage lending business, which sources high-quality loans and helps recover fund capital by guiding borrowers toward refinancing into longer-term financing.
How Construction & Development Loans Work
Construction and development lending is one of the capital structure options within Trusted Income Fund. Understanding how these loans are structured, underwritten, and repaid helps investors evaluate how this option fits within a broader real estate debt allocation.
Loan Structure
Construction & Development loans are structured as senior-secured debt investments, funded through Trusted Income Fund, a 506(c) SEC-registered fund available to accredited investors. Capital is advanced in disciplined draws tied to verified construction milestones, from land acquisition through project completion.
Loan-to-Value Discipline
We lend a maximum of 75% of the property value. This conservative equity cushion is maintained at every draw stage, protecting investor capital against cost overruns, valuation shifts, and market softening over the life of a project.
Return Profile
Historically we have generated 20% annualized returns for our investors. Returns are earned through structured interest income and origination fees on secured construction advances, each underwritten against our LTV discipline before capital is deployed.
Types of Construction & Development Financing
As a 506(c) SEC-registered fund, Trusted Income Fund structures construction and development debt across several sub-categories, each underwritten to a maximum of 75% loan-to-value and contributing to our fund's historical 20% annualized returns for investors.
Ground-Up Construction Financing
Capital deployed for new construction projects, from vertical builds to multi-unit developments, secured by a first-lien position on the underlying real estate.
Renovation & Rehabilitation Loans
Short-term debt that funds substantial property improvements, allowing sponsors to reposition and upgrade existing assets while the fund maintains a secured lien throughout the project.
Land Development Loans
Financing for entitlement, site preparation, and infrastructure work that transforms raw land into shovel-ready parcels, secured by the real property being developed.
Why Invest in Real Estate-Secured Debt
As a 506(c) SEC-registered fund available to accredited investors, Trusted Income Fund structures construction and development lending around three core investor protections. Understanding how each one applies to ground-up construction and development collateral helps clarify what sets real estate debt investing apart from equity-based alternatives.
Consistent, reliable income
Construction and development loans generate scheduled interest payments throughout the build cycle, contributing to the fund's track record of historically generating 20% annualized returns for investors.
Secured by real estate
Every construction loan is secured by a direct lien on the underlying property, and we lend a maximum of 75% of the property value, preserving a meaningful equity cushion beneath each investment.
Insured by property insurance
Borrowers are required to maintain property insurance coverage on the collateral throughout construction, adding a further layer of protection for capital deployed into each project.
Our Origination & Underwriting Process
What sets Trusted Income Fund apart is our affiliated mortgage lending business — an in-house origination and refinance engine that sources, underwrites, and actively manages every construction and development loan we fund. As a 506(c) SEC-registered fund built for accredited investors, that same discipline governs how we source and underwrite every loan in the portfolio, from first contact with a borrower to final repayment.
Sourcing & Origination
Our affiliated mortgage lending business identifies and originates construction and development loan opportunities directly, giving Trusted Income Fund a proprietary pipeline of vetted borrowers, sponsors, and projects before they ever reach the broader market.
Rigorous Underwriting
Every loan is underwritten to conservative, disciplined standards. We lend a maximum of 75% of the property value, ensuring a meaningful equity cushion stands ahead of investor capital on every project we fund.
Active Construction Monitoring
Once funded, our team tracks draw schedules, verifies construction progress, and manages project risk from groundbreaking through completion, keeping each loan performing as intended.
Refinance & Capital Recovery
As projects near completion, our affiliated mortgage lending business works directly with borrowers to refinance into longer-term financing. This in-house exit pipeline recycles capital efficiently and has historically supported 20% annualized returns for our investors.
Common Investor Questions
Answers to what accredited investors commonly ask about accreditation requirements, risk mitigation, insurance coverage, and liquidity for construction-secured debt investments.
Have additional questions about this offering? Contact our team →
Explore Construction & Development Loan Investments
Connect with our team to learn how this capital structure option fits your portfolio. Trusted Income Fund is a 506(c) SEC-registered fund available to accredited investors only, lending a maximum of 75% of property value and historically generating 20% annualized returns for our investors. Our affiliated mortgage lending business originates high-quality construction loans and helps protect fund capital by assisting borrowers with refinancing into longer-term financing once a project stabilizes.
Trusted Income Fund is a 506(c) SEC-registered fund available to accredited investors only. Call 873437379, email info@trustedincomefund.com, or write to 3100 Oak Rd STE 120 Walnut Creek CA 94597.