where savvy investors find hand-picked real estate investment offerings.
It’s your turn to land a great deal.
Investors’ Harbour is a collective financing platform, open to investors around the globe who acknowledge the value and meaning of supporting land-based development in strategic locations.
With carefully selected, high-return deals, offered by leading professionals in the commercial real estate development industry, our aim is to provide members and partners of the Harbour with worthwhile investment programs.
Due to the excellent rate of returns, amazing tax advantages and leverage opportunities it provides, real estate is widely considered the best avenue for investment. Landed estate ownership has always been the key to generating a solid, reliable, passive income source, and eventually, building wealth.
However, owning property does not come without its burdens and responsibilities. Plus, not all savvy investors keep large amounts of liquidity for a downpayment. Having preexisting fortune should not be the prerequisite for investing in real estate. As a matter of fact, things should work just the other way around.
As a Boston-based investment platform, Investors’ Harbour brings expertise in both tech and finance. Our goal is to present meaningful solutions to investors worldwide who plan to benefit from the productivity of American real estate market and live up to the innovative, worldly and entrepreneurial legacy of our home-port.
We provide our members with a straight-forward method to become investors in structured funds that lend construction capital to carefully selected and strategically positioned real estate development projects.
No fix-and-flip family projects: Investors’ Harbour only features meticulously planned, high-profile and large-scale construction programs, conducted by professionals of the commercial real estate development industry.
It’s not a matter of luck: All Harbour offerings are rigorously calculated private placements, involving strategically positioned real estate, with solid exit strategies and loans secured by first trust deed on the property.
Direct Lending System
Debt over Equity: The collective lending system used in our offerings enables our members to fund the targeted development projects, directly, through senior loan structures, based on the debt financing methodology.
No estimates, no variables: Our real development funds offer an unmatched 8.5% net APR as the targeted return to each one of its investors over a 12-month period, based on the duration and the fixed rate in developers’ loan terms.
You want to invest in real estate; because you know that it’s the most solid and profitable option out there.
And yet, you don’t want to deal with property ownership and the burdens that come with it: maintenance, finding tenants; taxes; and all the waiting before it actually pays you back.
Or, you simply don’t want to spend hundreds-of-thousands for downpayment, and lose your liquidity.
There must be a better way to get a high-interest return from the market. A lighter way. A more direct way.
There’s a place where savvy investors gather and collectively fund commercial development projects. Investors’ Harbour: A collective financing platform that allows individuals to own shares in a structured entity, lending capital to commercial development projects.
The meticulously planned and carefully selected deals at the Harbour work with a straight-forward debt financing methodology. The investment fund, with all its contributors and managing entity, simply, functions like a bank by giving a construction loan to a professional real estate development firm.
This is what we call “collective financing” or collective lending, as the members of the fund – a single asset LLC – collectively lend capital to the Developer/Borrower, or in other words, collectively finance the targeted development project.
The amount needed for the completion of the project, is first collected in the fund, and then directly lent to the developer over a loan term of 12-months, and in return of interest. At the end of the loan term, the fund gets paid back, and all the investors earn their profit, based on the units of membership interests they hold in the fund (LLC).
Structuring the deal with an entity not only protects the investors from liability but also helps to streamline distributions and reporting from the developer.
With competitive interest rates, members of the Harbour add to their wealth with every deal.
We are proud to have SEC-registered investment advisors on board who can represent Harbour offerings with diligence and full fiduciary responsibility.
If you are a broker or financial advisor who would like to collaborate with the issuers of our currently-featured private placements, you may set up an Advisor account and hoist the I.H. flag aboard your vessel.
A form of financing that is facilitated through a pool to fulfill a borrower’s financial request at an agreed upon sum for a specific rate. By getting a loan from a collecting lending fund, the borrower obtains the necessary amount of capital much faster and easier than in the case of traditional financing. In return, this method allows the lender to receive much higher returns in comparison to what investment instruments offered by banking institutions would provide.
In collective lending through debt methodology, the investors, instead of owning a stake in the construction project itself, they own units of membership interests in a single asset limited liability (LLC) that lends construction capital to the developer of the targeted project. The funds collected in the LLC are backed by a commercial real estate loan that is secured by a first position security interest in the property of the project. It’s a specific amount of money repaid over a defined term by executed contacts underwritten by legal and real estate finance experts.
Debt vs. Equity:
In the world of real estate financing, debt refers to the lending process in which the development firm takes out a loan from a capital source to collect the funds needed for their targeted construction project. This makes the developer a borrower, while the capital source that issues the loan is referred to as the lender.
Lenders can have no claim to the profit that the development firm makes. The only return that concerns the lender side is the interest which the original financing agreement states. However, the interest rate, stated in the loan agreement, forms the key advantage for the lender in this relatively more straightforward methodology. Repayment of the loan is not tied to the success of the targeted project. It has to be repaid no matter what, and this is one of the most important advantages of the debt methodology from the lenders’ perspective.
In the equity methodology, the development firm, that is the sponsor/owner of the project, gives investors shares in their company’s ownership in exchange for capital. There are no documented promise made for the repayment of the investment unlike the way in which loan arrangements function.
In this method, the investors expect to earn an acceptable profit by the end of the targeted project, which would justify the risk taken during the investment period. Therefore the investor makes money in the form of a return-on-investment instead of an interest rate.
From the developer’s point-of-view, equity financing means issuing shares to an investor. Equity investors become owners of the company. This may be considered a potential advantage since they would be making more profit in the future in case the company further prospers in the aftermath of the initially targeted project. However, unlike the borrowers in the debt methodology, the business owners in an equity deal are usually not required to pay back their investors in case their project fails to make a profit. This also enables them to utilize the working capital freely as there are no monthly loan payments.
Debt methodology, on the other hand, comes with strict conditions and a specified date for the payment of the loan. Failure to meet these requirements result in severe consequences. This certainty should be considered an advantage for investors who collectively become lenders in a debt deal.
A city that serves as a point-of-entry to a geographical region. Gateway cities have either an airport or a seaport that serve as a primary arrival point. These urban areas are known to have a lively property market due to the presence of industrial complexes and business centers that are positioned in the hinterland of the ports. The real estate development projects featured at Investors’ Harbour are conveniently located at gateway cities of Atlantic and Pacific coasts of the Unites States.
The SEC defines accredited investors as a natural person who has individual net worth, or joint net worth with the person’s spouse, that exceeds $1million at the time of the purchase, excluding the value of the primary residence of such person; or a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year.
Investors’ Harbour, Ltd.
One International Place
#1400 Boston, MA 02110
+1 (617) 341-8468