Private Mortgage Fund for Investment Properties in the Western States

EP Guardian Fund (Fund) is a private mortgage fund that provides business purpose loans that are secured by commercial real estate, non-owner occupied residential, land, and similar investment properties. The Fund’s primary objective is capital preservation, with the goal of delivering investors annualized returns of 8.00%.

The Fund offers accredited investors the opportunity to invest in loans secured by real estate without the responsibility and stress of managing real estate assets. Loans are diversified in terms of asset class and geography. Returns are paid monthly and they are non-correlated to the stock market.

  • Minimum Investment: $50,000
  • Financial Audits: Yes, annual
  • Fund Type: 506 C Regulation D
  • Distributions: Monthly
  • Primary asset class: Real estate loans, diversified
  • Maximum offering: $100,000,000
  • Investor criteria: Accredited Investors
  • Loan Types: Business-purpose/investment

Property Geographic Area Details

Western United States

Investment Type

Mortgage Fund

Target Return

8% to 10.5% Monthly

Minimum Investment

$50,000

Lien Position

Majority are 1st Liens

Average LTV for All Loans

45%

Average Loan Term

18 months

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • Residential Investment
  • Residential Land
  • Commercial Land
  • Multifamily
  • Retail
  • Office
  • Industrial
  • Mixed-Use
  • Hospitality
  • Healthcare
  • Assisted Living Facility
  • Storage Facility
  • Senior Housing
  • Student Housing
  • Mobile Home Park
  • RV Park
  • Automotive
  • Agricultural

Loan Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Fix & Flip
  • Rehab Value Add
  • Ground-Up Construction
  • Long-Term Rental
  • Mezzanine

Investor Types

  • Individual Accredited
  • Ultra High Net Worth Investor
  • Family Office

Leverage

Levered

Recapitalization

All Loans Held in Portfolio

Commitment Term

12 months

Redemption Notice Period

29 days

Distributions Paid

Monthly

Management Fee

2%

Assets Under Management

$15,000,000

Mortgage REIT

No

IRA Investment Option

Yes

Securities Exemption

Regulation D 506(c)

Name of Issuer

EP Guardian Fund, LLC

Inception Date

December 8, 2017

Fund Term

Open-End

Maximum Offering

$100,000,000

Performance Split

80/20

Enact Partners

760-516-7776

Office Locations

Enact Partners
5927 Priestly Drive, Suite 206, Carlsbad, California, 92008
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