Perch Capital MIC

Perch Capital stands out in the mortgage investment landscape by focusing on single-family residential financing, offering net compounded yields of 9.4%. 

Their proprietary risk modeling ensures reduced losses, while their short-term loans model, of around five months, enhances liquidity, allowing for quick redemptions typically within two months. Perch Capital’s investment strategy revolves around placing investors' needs at the forefront, offering a clear and viable exit strategy within 12 months.

Short-Term Loans

Perch Capital specializes in short-term loans, with average terms of 6 months to 1 year. This approach minimizes the risk of changing circumstances and includes pre-validated exit strategies, often facilitated through our extensive network of over 30 A and B lenders.

Earn a Preferred Return

Investors benefit from a preferred return, as our management fees are only earned after covering all expenses. This ensures that our interests align with yours and underscores our commitment to mitigating risks and protecting your investment.

Pre-Validated and Clear Exit Strategies

Through our brokerage, we have access to over 30 A, B and private lenders. Most of our loans are temporary solutions that are predicated on the client being able to refinance out into another lender.

Full Underwriting of the Deal

Most private lenders strictly lend on property value. We fully underwrite the deal to ensure both the property and borrowers can service the deal. By monitoring deals through to maturity, we identify and manage potential risks before a default can occur.

Perch Capital targets borrowers with strong credit profiles, who require short-term financing for specific needs including home improvement projects or bridging gaps during property transactions. By building a diversified portfolio of residential mortgages, Perch Capital also reduces concentration risk and preserves capital, allowing for the provision of stable returns to investors. This focus on risk management and a selective applicant approach further strengthens the quality of their lending portfolio, ensuring that only borrowers with the best risk profiles are considered.