Discuss your focus
Explain the property types, locations, timing and lending structures you want to understand.
FOR INVESTORS
Review the property.
Understand the structure.
RedGoose Realty Investments presents property-backed lending opportunities involving acquisitions, developments, single-family homes and renovation projects. Private financing may serve property projects where conventional financing is unavailable or does not fit the transaction.
Start with the opportunity
Review the property, proposed use of funds, borrower equity, scope and budget, repayment strategy, and supporting information before making a commitment. Project assumptions and estimates should be distinguished from verified facts.
Property pledged as collateral
The investor’s loan is secured by the land, house or project property pledged as collateral. The loan documents establish the specific property, security interest, lien priority and enforcement rights. The collateral supports the loan; its value and recoverability still require review.
Understand the interest allocation
The proposed annual borrower interest rate is 10–12%. For investments of $500,000 or less, collected interest is allocated 80% to the investor and 20% to RedGoose. For investments above $500,000, the allocation is 85% to the investor and 15% to RedGoose. The borrower rate is not the investor’s return. Actual receipts depend on the agreed documents, payment performance, fees and expenses.
Origination fees
Each loan carries a 2–6% origination fee. For an origination fee of 2–3%, the investor receives 1% of the total loan amount. For an origination fee of 4–6%, the investor receives 2% of the total loan amount. RedGoose retains the remainder of the fee. This allocation is separate from the applicable 80/20 or 85/15 interest split. The specific origination fee and investor allocation are established for each loan in the transaction documents.
Review leverage and repayment
The proposed maximum is 70% loan-to-value; land-only financing is limited to 50% of land value, and construction financing to 50% of construction costs. Borrowers must provide the remaining equity and applicable transaction costs. Financing generally requires a first-position mortgage lien. Second-position financing may be considered after reviewing the existing first mortgage, available equity and overall transaction, subject to approval. Total secured debt and title are reviewed for each opportunity. The valuation basis must be defined for each transaction. Loans are interest-only with an initial 24-month term. The outstanding principal is due as a balloon payment at maturity. Borrowers may reduce principal or repay the loan in full at any time without a prepayment penalty. In rare and extenuating circumstances, a loan review may take place 60 days before maturity to consider a potential extension of 12 to 24 additional months. Borrower payment history is part of that review. Any extension requires approval and a written agreement; a review does not guarantee an extension.
Evaluate the risks
Property values can decline, projects can run over budget, borrowers can default and repayment can be delayed. Review valuation evidence, proposed security and lien position, borrower information, project costs, available reserves and the repayment plan. No return or preservation of capital is guaranteed.
Indicative financing parameters. Any specific opportunity requires its own documentation, terms and due diligence. This page does not accept investment commitments.
Looking for project financing? Borrower information →ILLUSTRATIVE INTEREST ALLOCATION
Separate rate from allocation.
If a $100,000 loan earns and collects 10% annual interest, the annual interest is $10,000. For this investment of $500,000 or less, an 80/20 allocation assigns $8,000 to the investor and $2,000 to RedGoose, before applicable expenses and taxes. At 12%, those amounts would be $9,600 and $2,400. This assumes a full year of timely payments and unchanged principal; it is not a forecast or guaranteed return.
Origination allocation examples
All percentages below are based on the total loan amount. On a $100,000 loan:
| Origination fee | Total fee | Investor receives | RedGoose retains |
|---|---|---|---|
| 2% | $2,000 | $1,000 (1%) | $1,000 |
| 3% | $3,000 | $1,000 (1%) | $2,000 |
| 4% | $4,000 | $2,000 (2%) | $2,000 |
| 5% | $5,000 | $2,000 (2%) | $3,000 |
| 6% | $6,000 | $2,000 (2%) | $4,000 |
The investor allocation comes from the origination fee; it is not an additional fee charged to the borrower. Collection timing and other costs are established in the final documents.
Monthly interest example
On a $100,000 interest-only loan at 12% annual interest, monthly interest is $1,000. Of collected monthly interest, the investor receives $800 (80%) and RedGoose receives $200 (20%). This monthly allocation is separate from the origination fee. Principal repayments are not interest.
For a $650,000 investment at 12% annual borrower interest, monthly borrower interest is $6,500. The investor receives $5,525 (85%) and RedGoose receives $975 (15%) from collected interest. With no principal paydown, eight months of investor interest totals $44,200. A 4% origination fee provides a separate 2% investor allocation of $13,000, for $57,200 in total illustrative income before expenses and taxes. The $650,000 principal remains outstanding until repaid. This is an illustration, not a guaranteed result.
Questions for every opportunity
What supports the property value? What lien position and documentation are proposed? How much equity is available? Who controls construction funds? What happens if costs rise or repayment is delayed? How are payments, expenses and enforcement handled?
Explore the review process → Read the FAQs →YOUR NEXT STEP
Let’s start with your questions.
Share your contact details and a short description of your interest.
Request investor information →FROM INTEREST TO INDIVIDUAL REVIEW
Evaluate the opportunity.
Then the commitment.
Review the file
Examine the property, borrower, valuation, budget, equity, proposed collateral and repayment plan.
Confirm the structure
Identify the funding parties, legal documents, lien priority, fee allocations and closing conditions.
Define administration
Agree who collects payments, handles reporting, manages draws and responds to arrears or maturity.
Monthly reporting and investor distributions follow the agreed transaction documents. Investor payments depend on borrower payments actually received and cleared. RedGoose handles payment collection and monthly investor statements. Document access, any third-party fees and other administration responsibilities are identified for each transaction. Property collateral does not guarantee repayment.
Discuss the investor perspective ↗ONGOING COMMUNICATION & ADMINISTRATION
Clarity after closing.
Attention throughout the loan.
Monthly reporting
RedGoose handles borrower payment collection and investor statements. Investors receive a monthly update covering payment status, funds received, their allocation and distribution, outstanding principal, and material project or maturity developments known to the team. A missed borrower payment is reported as unpaid; reporting is separate from a distribution.
View Sample Investor Statement ↗
Illustrative PDF with fictional investor, property and transaction figures. Shows the reporting format; it is not an actual account or a promise of investment results.
Payments from collected funds
Investor distributions are processed monthly from borrower payments actually received and cleared, under the agreed allocation and transaction documents. Timing may vary with borrower performance and processing. Scheduled interest is not a guaranteed payment or return.
A defined point of contact
Investors can contact RedGoose about loan status, a statement or an upcoming maturity. RedGoose handles collections and monthly investor statements. At closing, the parties establish construction-draw responsibilities where applicable and the procedures for follow-up if a payment is late.
Speak with the team →Security starts with the documents.
Review the collateral, valuation, borrower equity, lien priority and repayment plan before committing. The closing documents establish the mortgage or other security instrument, funding parties and enforcement rights. Title, existing debt and applicable insurance requirements must be addressed for the transaction.
Plan for the exception.
Agree on responsibilities for payment follow-up, construction oversight where applicable, maturity and payoff. If a loan becomes delinquent, response and enforcement depend on the documents, applicable requirements and the parties responsible. A secured loan can still suffer delay or loss.
AN INVESTOR’S PERSPECTIVE
More client perspectives →“My experience with RedGoose Realty as an investor has been a positive one. I appreciate their professionalism, communication, and focus on building strong investment relationships. They understand the importance of trust and transparency, and I value having a team that takes the investment process seriously. I look forward to continuing our relationship and exploring future opportunities together.”
Published with permission. Individual experience; investment results and repayment are not guaranteed.
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