Performing Loans: Reliable Income-Generating Real Estate Debt
Trusted Income Fund, a SEC 506(c) registered real estate debt fund, invests in performing loans secured by real estate at a maximum of 75% loan-to-value — historically generating 20% annualized returns for our investors. Loans are originated through our affiliated mortgage lending business, which also helps borrowers refinance into longer-term financing to help recover fund capital and keep the portfolio performing.
What Are Performing Loans?
Performing loans are real estate-secured debt obligations on which the borrower is current on all scheduled payments. As a 506(c) SEC-registered fund, Trusted Income Fund allocates capital to this asset class because it offers accredited investors a predictable, income-producing position backed by a physical, insured asset rather than an unsecured promise to repay.
Every loan added to the portfolio passes through the same underwriting discipline before it is considered performing. We lend a maximum of 75% of the property value, and historically we have generated 20% annualized returns for our investors by combining conservative underwriting with active portfolio management.
Loan origination is supported by our affiliated mortgage lending business, which sources and originates high-quality loans for the fund and helps recover invested capital by assisting borrowers with refinancing into longer-term financing once a loan has stabilized — recycling capital back into new performing loan opportunities.
Rigorous Property Valuation
Every loan is underwritten against an independent, current appraisal to confirm the property's fair market value before capital is deployed.
Conservative Loan-to-Value
We lend a maximum of 75% of the property value, preserving a substantial equity cushion that protects investor capital.
Borrower Financial Review
Borrower credit history, cash flow, and repayment capacity are verified before a loan is added to the fund's portfolio.
Ongoing Loan Servicing
Performing loans are monitored continuously for on-time payment, current insurance coverage, and adherence to loan covenants.
Why Invest in Performing Loans
Trusted Income Fund is a 506(c) SEC-registered fund built to educate and serve accredited investors seeking predictable, real-estate-backed returns. Performing loans form the core of our lending strategy, combining disciplined underwriting with multiple layers of protection.
Consistent, reliable income
Performing loans in the Trusted Income Fund portfolio make scheduled principal and interest payments, giving investors a dependable income stream. The fund has historically generated 20% annualized returns for investors by focusing capital on well-underwritten, income-producing debt positions.
Secured by real estate
Every loan is secured by a lien on real property, and the fund lends a maximum of 75% of the property value (LTV), preserving a meaningful equity cushion. Our affiliated mortgage lending business originates high-quality loans and helps recover fund capital by assisting borrowers with refinancing into longer-term financing.
Insured by property insurance
Underlying properties are required to carry property insurance, adding a further layer of protection for the assets securing each loan and, in turn, for the capital invested by our accredited investors.
Loan Performance Categories We Invest In
As a 506(c) SEC-registered fund, Trusted Income Fund invests across the full spectrum of real estate debt performance — from current, income-generating loans to distressed positions requiring active resolution. Every loan is originated at a maximum of 75% of property value, a discipline that has historically supported 20% annualized returns for our investors.
Performing Loans (PL)
Loans in good standing where borrowers are current on scheduled payments. These loans anchor the fund's income strategy, originated at a maximum of 75% loan-to-value and underwritten for consistent, reliable cash flow.
Sub-Performing & Re-Performing Loans (RPLs)
Loans that have experienced past payment disruption but are being brought back to current status through structured workout plans, offering the fund opportunities to acquire secured debt at attractive risk-adjusted terms.
Non-Performing Loans (NPLs) & Distressed Debt
Loans in default or significant delinquency, secured by real estate collateral. Trusted Income Fund's affiliated mortgage lending business works directly with borrowers to originate refinancing solutions into longer-term loans, helping recover fund capital while resolving distressed positions.
Frequently Asked Questions
Answers to common questions accredited investors ask about performing loans and our SEC 506(c) registered offering.
Start Investing in Performing Loans Today
Connect with Trusted Income Fund to learn more about our SEC 506(c) registered offering.