Investing with Fulford Lending allows you to kick the tires from the recorded mortgages to the flow of income evidenced by bank statements. We believe in our business, which is why we are our main investors. We reinvest more than 90% of our quarterly profits into the company. 

Why Invest in Hard Money?

Our investors enjoy healthy returns and unparalleled principal protection. We provide short-term loans secured by real estate with loan to value ratios (LTV’s) averaging less than 50%. As seen in the chart above, the 10-year annualized ROIs only increase far past the average inflation rates in highly volatile markets. Hard money offers a different approach in direct loans, an average interest rate exceeding established returns. Further, there is well-established security cushioning each individual investment.

Quick Overview

High Yield

Highly Secure

  • 9 – 11% Targeted Returns
  • Quarterly distributions
  • Reinvestment options available
  • Investments secured by real estate
  • LTVs typically 50% or less with a maximum of 65%
  • Hazard and title insurance to protect the security
  • Diversification through multiple short-term mortgages

Our Strategy for Investors

“I’m now a sixty-year-old man, who at this point doesn’t wish to start over.  That being said, my portfolio of investments is as secure as one can reasonably make them, short of a government guarantee. My experience has taught me to only make determinations on the known and leave speculation to others.  The majority of my life experience has been in real estate in the context of acquisition, development and management. 

Over the last 40 years, I’ve seen the volatility of real estate valuations and that of the stock market. A differentiating factor is that you can assign a realistic short-term value based on location, condition and market demand.  With the stock market, there is a tendency to rely on the opinions of others, whereby there seems to be no shortage of contradictory viewpoints.  Especially, when opinions are given with little to no understanding of how a company makes money, i.e. Enron.  

In my world, I have concluded a safe investment is one that is securitized by a physical asset with a reasonably known value over a short period of time (i.e. Bridge Loans).  The best part of my portfolio of real estate investment is that it has allowed me to develop generous rates of returns, without high risk. I manage short term debt with low loan-to-value ratios on real estate.

I did not invent the wheel, I’ve merely learned to make money from what I have acquired over a lifetime.  My father and mother’s famous saying was that “[you’re] only wealthy when your assets work for you, and not you for them”.  So, make sure you acquire assets that generate income beyond their cost.  This is not the invention of the wheel, but a common-sense approach that has withstood volatility and delivered measurable results.”

Interested In Learning More?

Contact us at [email protected] or reach out to us by phone at (703)-678-3984. We look forward to working with you.

You must be an accredited investor to apply, you can learn more about those requirements here.