The following is an overview of the HCG Investor Program. For the full Investor Program, please download the full HCG Funding Investor Program PDF.

The goal of HCG is to combine excellent investment opportunities with superior customer service. We are opening doors for investors and developers. HCG uses private money, proprietary and from investors, to fund each project. The appeal of investing with HCG is the ability to easily participate in tangible, controlled real estate projects while earning a superior rate of return with a secured position.

HCG takes responsibility for locating, evaluating, underwriting, and servicing these opportunities for its investor clientele.

Product Structure

Private Real estate lending is characterized by making a Private loan to a borrower who executes a promissory note and deed of trust that encumbers the borrower’s real property.

The promissory note is the borrower’s promise to repay the loan. The deed of trust is a security instrument that creates a lien against the borrower’s real estate. The deed of trust is recorded with the county where the property is located. A deed of trust can be recorded in different lien positions.

HCG typically only offers investments in 1st lien positions and will only offer a subordinate position when the superior liens can be fully managed. The date and time of the recording of the deed of trust establishes lien priority of the deed of trust.

Standard Structure

The standard investment opportunity consists of a note and deed of trust in the 1st lien position that will encumber investment property owned by the borrower. The standard terms of the note are as follows:

• One year maturity

• Monthly interest-only payments

• 60% loan to value for most real estate

• 50% loan to value for land/lots

• Construction funds are held in escrow

• Personal Guarantee from Borrower or 3rd Party

HCG will lend up to a maximum of 60% loan to value using the as-is, after repaired, or after completed value. That means that for every dollar of value that exists or that is created through construction, the investor is only loaning 60 cents. This structure allows the investor’s principal to have a buffer of protection against loss.

HCG uses a conservative process to release construction or improvements funds. There are regularly scheduled inspections to further protect investors. Money is released only after work is completed and inspected.