Earn Target 12% Returns Backed by Real Estate
Structured terms • Real estate collateral • Third-party closing • Conservative underwriting
WHY INVESTORS CONSIDER THIS
A Simpler Alternative to Volatile Traditional Investments
Many investors want more predictability than they get from stocks, mutual funds, or savings products. Our private lending program is designed for people who want fixed-rate, real estate-backed opportunities without managing properties, dealing with tenants, or taking on day-to-day landlord responsibilities.
When you lend on one of our deals, your funds are tied to a physical property, documented through formal closing documents, and structured around clearly defined terms.
Predictable Structure
Terms are defined upfront so you know the investment amount, target rate, and term before funding.
Secured by Real Estate
Each opportunity is tied to residential real estate collateral and closed through a title company or attorney.
Passive Participation
You are not rehabbing properties, managing contractors, or fielding tenant calls.
HOW THE MODEL WORKS
How Our Slow Flip Model Works
White Squirrel Home Buyers acquires properties at conservative purchase prices and resells them through owner financing or other structured exits. That model can create an equity cushion at acquisition and allows us to offer private lenders a fixed-rate lending opportunity over a defined term.
1) Property Acquisition
We identify residential properties with strong value relative to acquisition cost.
2) Private Funding
A lender funds the deal based on agreed terms and closing documents.
3) Secured Closing
Funds are sent to the closing agent, documents are recorded, and the transaction is completed.
4) Structured Repayment
The loan is serviced according to the promissory note and security instrument.
WHAT MAKES A DEAL ATTRACTIVE
Our Capital Protection Focus
Our first priority is not chasing aggressive projections. It is structuring deals with disciplined underwriting and documented collateral.
- Focus on low loan-to-value positions
- Recorded lien against the property
- Title insurance at closing
- Property insurance coverage
- Clear documentation through a title company or attorney
- Conservative purchase criteria
Protecting principal comes first. Return follows disciplined underwriting.
Example Payment Scenarios at 12% Over 60 Months
The examples below assume a fully amortizing 60-month loan at 12% annual interest.
$30,000 Investment
- Monthly Payment: $667.33
- Total Interest: $10,039.80
- Total Returned: $40,039.80
$40,000 Investment
- Monthly Payment: $889.77
- Total Interest: $13,386.40
- Total Returned: $53,386.40
$50,000 Investment
- Monthly Payment: $1,112.21
- Total Interest: $16,732.60
- Total Returned: $66,732.60
These examples are for illustration only. Actual opportunities, timing, collateral position, servicing, and repayment terms may vary.
WHO THIS IS FOR
This May Be a Fit If You Are Looking For
- A real estate-backed alternative to traditional investments
- Defined terms and documented collateral
- Passive income potential without property management
- The ability to review opportunities before funding
- Possible use of self-directed retirement funds, subject to your advisor’s guidance
HOW THE PROCESS WORKS
What Happens After You Reach Out
Step 1 — Initial Conversation
We learn about your goals, investment range, timeline, and whether you prefer personal funds or retirement funds.
Step 2 — Opportunity Review
If there is a fit, we share the structure of a current or upcoming deal, including term, collateral, and documentation.
Step 3 — Closing
Funds are sent directly to the title company or closing attorney. The closing agent handles the recording and document package.
Step 4 — Servicing
The investment is serviced according to the signed loan documents.
ABOUT WHITE SQUIRREL HOME BUYERS
White Squirrel Home Buyers is a real estate investment company focused on acquiring residential properties through disciplined underwriting and structured exit strategies. Our private lending program is designed for investors who value clarity, documented collateral, and long-term relationships over hype and speculation.
Eric Carter
White Squirrel Home Buyers
Pensacola, Florida
Email: eric@whitesquirrelhomebuyers.com
Frequently Asked Questions
Is my investment secured by real estate?
Each opportunity is intended to be documented with a promissory note and a mortgage or deed of trust secured by the property, subject to the final deal structure and closing documents.
How long is the term?
Typical opportunities are structured around a 60-month term, though specific deals may vary.
How do funds get transferred?
Funds are typically sent directly to the title company or closing attorney handling the transaction.
Can I invest through an IRA or 401(k)?
Some investors use self-directed retirement accounts. You should speak with your custodian, CPA, or attorney before making any retirement-account investment decision.
Are returns guaranteed?
No. Real estate investing involves risk, and no investment returns should be presented as guaranteed.
Can I review a deal before committing funds?
Yes. The goal is to provide clarity around the structure, collateral, and documents before any funding decision is made.
Request Current Investment Details
If you are interested in reviewing private lending opportunities backed by residential real estate, submit your information below. We will contact you to discuss your goals and determine whether there is a fit.
https://calendly.com/eric-whitesquirrelhomebuyers/30min