Loan & Asset Programs Across the Credit Spectrum
Trusted Income Fund acquires and manages performing, sub-performing, and non-performing mortgage notes with institutional discipline — delivering structured capital solutions for loan sellers, financial institutions, default servicers, commercial real estate borrowers, developers, brokers, and institutional investors.
Performing Loans (PLs)
Trusted Income Fund acquires, manages, and finances fully performing mortgage notes and debt instruments that generate steady, predictable cash flow. This program is built for loan sellers, financial institutions, and default servicers seeking a disciplined, institutional counterparty for the disposition of performing loan assets.
Institutional investors gain access to a diversified pool of income-producing mortgage notes, while commercial real estate borrowers, developers, and brokers benefit from a capital partner capable of structuring and closing transactions with speed and certainty across the capital stack.
Target Yields
The Fund targets attractive, risk-adjusted yields on performing mortgage notes, underwritten to generate consistent, income-producing cash flow for investors.
Underwriting Criteria
Every note is subject to rigorous underwriting, including borrower payment history, collateral condition, title review, and documented cash flow verification prior to acquisition.
Loan-to-Value (LTV) Limits
Acquisitions are governed by conservative loan-to-value thresholds designed to preserve principal and provide a margin of safety across market cycles.
Portfolio Acquisition Capabilities
The Fund is structured to evaluate and close on single notes as well as large, multi-asset performing loan portfolios sourced from regional banks, financial institutions, and private lenders.
Sub-Performing & Re-Performing Loans
Sub-performing and re-performing loans (RPLs) consist of mortgage notes exhibiting temporary delinquency, generally 30 to 89 days past due, or notes that were previously in default and have since been restructured and returned to a consistent payment schedule. For loan sellers, financial institutions, and default servicers managing these assets, Trusted Income Fund provides an institutional acquisition and asset management platform built to stabilize borrower performance while protecting capital.
Each note is underwritten against borrower payment history, collateral valuation, and the likelihood of sustained re-performance, allowing Trusted Income Fund to structure a resolution appropriate for the specific circumstances of the loan rather than a one-size-fits-all approach.
Restructuring Capabilities
Trusted Income Fund evaluates each sub-performing note on a loan-by-loan basis, applying disciplined underwriting to determine the restructuring path most likely to restore consistent, sustainable payment performance.
Loan Modification Strategies
Modification terms may include interest rate adjustments, maturity extensions, and re-amortization schedules, each structured to align borrower capacity with investor return objectives.
Borrower Workout Solutions
Direct engagement with borrowers and their representatives allows for negotiated workout solutions that resolve temporary delinquency while preserving the underlying value of the collateral.
Non-Performing Loans & Distressed Debt
Trusted Income Fund acquires and works out defaulted mortgage debt, including notes 90 or more days delinquent, paper in active foreclosure, and notes subject to bankruptcy proceedings. Loan sellers, default servicers, and financial institutions rely on the Fund's disciplined resolution framework to convert distressed paper into recovered value without protracted timelines.
Each acquisition is governed by a defined resolution strategy established prior to closing, giving sellers, brokers, and institutional counterparties confidence in both pricing and execution.
Debt-to-Equity Conversion Strategy
Where recovery is best served by converting a defaulted note into an ownership position, the Fund executes structured debt-to-equity conversions that align outcomes with the underlying collateral's realistic value.
Deed-in-Lieu Options
For borrowers unable to cure default, the Fund negotiates deed-in-lieu of foreclosure arrangements that reduce holding costs and legal exposure while accelerating the path to asset resolution.
Collateral Valuation
Every distressed note is underwritten against an independent assessment of the underlying collateral, incorporating current market conditions, occupancy, condition, and comparable sale data prior to acquisition.
Direct Asset Workouts
In-house workout teams manage foreclosure, bankruptcy, and post-acquisition asset resolution directly, minimizing reliance on third-party servicers and maintaining control over recovery timelines.
Note Purchase Speed
Institutional capital and pre-established underwriting protocols allow the Fund to move from initial review to closing on defaulted note pools on an accelerated basis, a critical advantage for sellers requiring certainty of execution.
Institutional Discipline Across Every Loan Program
Whether acquiring performing notes, restructuring sub-performing debt, or working out non-performing assets, Trusted Income Fund applies the same underwriting rigor and transparency that regional banks, default servicers, and institutional investors expect from a capital partner.
No Management Fees
Trusted Income Fund charges no ongoing management fees on acquired mortgage note portfolios, aligning returns directly with performance for loan sellers, servicers, and institutional partners.
SEC-Registered Structure
Every acquisition and financing transaction is executed through an SEC-registered fund structure, providing financial institutions, brokers, and investors with the regulatory transparency required for institutional due diligence.
Institutional-Grade Underwriting
A disciplined underwriting and asset management framework governs every performing, sub-performing, and non-performing note acquisition, ensuring consistent risk assessment across the entire credit spectrum.
Serving loan sellers, default servicers, brokers, developers, and institutional investors nationwide.
Loan & Asset Program Questions
Answers to common questions from loan sellers, financial institutions, default servicers, borrowers, developers, brokers, and institutional investors regarding our performing, sub-performing, and non-performing loan programs.
Ready to Sell, Finance, or Restructure a Loan?
Connect with our acquisitions team to discuss performing, sub-performing, or non-performing note opportunities.
Trusted Income Fund works directly with loan sellers, financial institutions, default servicers, commercial real estate borrowers, developers, brokers, and institutional investors to structure acquisitions, financing, and workout solutions across the capital stack.
