Private real estate debt and equity, structured with alignment.
Monterey Capital Group offers qualified investors access to collateral-secured lending and selective preferred equity opportunities. The firm commits its own capital alongside our partners on the platform.
Senior-secured lending
Participation in loans typically secured by first-position mortgages, with selective mezzanine behind low-leverage senior debt with meaningful equity cushion.
Preferred equity
Selective positions with defined return priority, minimum return protection, and negotiated downside structure.
Deal-by-deal vehicles
Opportunities structured through dedicated special-purpose vehicles so each exposure is chosen on its own merits.
Full transparency
Underwriting summaries, collateral documentation, and periodic reporting on every position you hold.
Or write directly: [email protected]. Available to accredited investors; all terms are provided solely through offering documents.
The window for direct private debt.
Bank retrenchment
Regional and community banks have pulled back from real estate lending, pushing quality borrowers toward private capital for transitional and bridge needs.
Rate normalization
With base rates structurally higher, senior secured private debt earns attractive yields without reaching for leverage or duration.
Transitional demand
Value-add, construction, and closing-date financing needs that banks are slow to serve generate steady transaction flow.
Direct origination
Relationship deal flow and in-house underwriting keep us selective on price, structure, and sponsor, without syndication friction.
The record behind the platform.
Foreclosure or short sale
Share of all loans originated since inception resolving through foreclosure or short sale.
Average portfolio LTV
Collateral coverage maintained across the loan book, underwritten conservatively at origination.
Committee-free approvals
Every transaction requires explicit written sign-off from the full investment team before any capital is committed.
Independently appraised
Third-party appraisal and independent valuation on every asset the platform lends against.
Aggregate platform figures, unaudited, as of Q3 2026.
Requirements, without exception.
01Recorded security positionFirst lien in typical structures02Full-recourse personal guarantyFrom the borrower principal03Notarized promissory noteExecuted loan documentation04Independent appraisalThird-party valuation, every asset05Lender's title insuranceLender named as insured06Property & flood insuranceCoverage bound before funding07Taxes currentAll real estate taxes paid08Prior liens satisfiedClean collateral at closeYield backed by real collateral.
Hard asset security
Positions are secured by recorded liens on real property, underwritten to conservative loan-to-value with defined exits.
Short duration
Core loan terms of 12 to 24 months keep capital recycling and reduce exposure to long-cycle rate risk.
Sponsor alignment
We eat our own cooking. Firm capital participates in the platform's positions alongside investor capital.
Any securities are offered only to qualified investors through private placement documents, which alone govern the terms of any investment. Nothing on this site is an offer to sell or a solicitation to buy any security. Investments involve risk, including loss of principal, and past performance does not indicate future results.