Senior Secured First Lien Debt
First-position loans secured by real estate, offering priority repayment for accredited investors.
As a first lien holder, Trusted Income Fund sits at the top of the capital stack, giving investors the first claim on collateral if a borrower defaults. Every senior secured loan is underwritten at a maximum of 75% loan-to-value (LTV), building a meaningful equity cushion beneath each position. This disciplined approach has historically helped generate 20% annualized returns for our investors. Our affiliated mortgage lending business originates each loan and works directly with borrowers to refinance into longer-term financing, helping recover fund capital efficiently and keep it working for investors.
How Senior Secured First Lien Debt Works
Trusted Income Fund is a 506(c) SEC-registered fund that structures every investment around first-lien priority. Historically we have generated 20% annualized returns for our investors by combining senior positioning with disciplined underwriting standards across each loan we originate.
Capital Stack Priority
As first-lien holders, Trusted Income Fund sits at the top of the capital stack, giving investors priority repayment ahead of any subordinate debt or equity in the property.
Conservative Loan-to-Value
We lend a maximum of 75% of the property value. Each loan is underwritten with a disciplined margin of safety, preserving a substantial equity cushion beneath every position we hold.
In-House Origination & Servicing
Our affiliated mortgage lending business originates and underwrites each loan directly, then works with borrowers to recover capital by helping them refinance into longer-term financing as properties stabilize.
Why Investors Choose Senior Secured Debt
Trusted Income Fund is a 506(c) SEC-registered real estate debt fund open to accredited investors. Senior secured, first-lien debt sits at the top of a property's capital structure, which is why it forms the foundation of the fund's lending strategy. Benefits of investing in real estate debt funds are: consistent reliable income, secured by real estate, and insured by property insurance.
Consistent, reliable income
First-lien loans occupy the top of the capital stack, giving investors priority access to scheduled interest payments and a dependable income stream backed by real, income-producing collateral.
Secured by real estate
Every loan in this structure is secured by a recorded first mortgage or deed of trust on the underlying property, giving the fund first-priority claim on the collateral in the event of default.
Insured by property insurance
Borrowers are required to maintain property insurance covering the collateral throughout the life of the loan, adding an additional layer of protection against physical loss or damage to the asset.
Discipline at the Loan-to-Value Level
To protect investor capital, the fund lends a maximum of 75% of the property value (LTV) on every first-lien loan it originates. That built-in equity cushion between the loan balance and the appraised property value has historically helped generate 20% annualized returns for our investors, even through varying market conditions.
Loan quality is reinforced by our affiliated mortgage lending business, which originates high-quality first-lien loans and works directly with borrowers to help them refinance into longer-term financing. This relationship helps the fund recover principal efficiently and recycle capital into new senior-secured lending opportunities.
Learn more about our lending model
Common Questions on Senior Secured First Lien Debt
Straightforward answers about risk, priority position, and returns for accredited investors evaluating a 506(c) SEC-registered real estate debt fund.
Ready to Learn More About Senior Secured Investments?
Speak with our team about allocating to first-lien real estate debt.