Introducing the BSTN Fund series, private real estate investment funds open to accredited investors. Rather than owning a single loan, invest in a managed portfolio of properties. Each fund provides access to the same underlying real estate backed notes, but we manage sourcing, placing, and collecting on each loan for you. Quality investing shouldn't have to be hard. Click each fund to learn more.

• Who can invest?

  To invest, you must meet the SEC definition of an “accredited investor.” Generally, this requires either an annual income exceeding $200,000 ($300,000 for joint income) for the last two years with the expectation of earning at least the same in the current year, or a net worth exceeding $1 million. Additionally, an entity entirely owned by accredited investors or with assets exceeding $5 million also qualifies.

• Are hard money loans a safe investment?

  Every investment has risk. However, hard money loans offer some investor protection because the debt is secured by real property - a.k.a., land and what is built on it. Land cannot be lost or easily stolen, and will always have value, which generally increases over time. Also, the loans we offer are generally no more than 75% loan-to-value, meaning there is a 25% buffer against the value of the collateral. The buffer protects against market fluctuations and makes it easier to quickly recover our capital if things don't go to plan.

• Why are the interest rates higher than what banks are offering?

  Interest rates are higher because of the nature of the loan and the process involved. Unlike banks or other traditional lending institutions, hard money loans involve a simplified due-diligence process (because the asset matters more than the borrower) and are for much shorter terms than the traditional 15 or 30 year loans. Borrowers are willing to pay more for the relatively quick access to money, short terms, and flexibility in prepayment. The Fund passes those returns on to our investors.

• How do these funds compare to the stock market?

  All of BSTN Capital's Funds are only open to accredited investors, require a higher initial investment than stocks, and are not liquid - meaning they are a long-term investment. Hard money loans can be a great way to diversify a portfolio, and to hedge against inflation. Each Fund has its own objectives and advantages, so see the fund documentation for more information.

• Is there a minimum investment amount?

  Because of the process to verify an accredited investor, the minimum investment amount is $50,000, though this may vary depending on the offering.

• How is this different than buying a property?

  When you purchase a property, you take on all of the risk of the property in exchange for a share of the profit. BSTN Capital's Funds offer direct access to real estate, but without individual ownership of a single property. Instead, you join with other investors to gain access to a portfolio of properties, depending on the Fund. This gives you possible diversification, and we handle all of the day to day operations for you. See the offering details and documents for each Fund to learn more.

• How long does an investment in a Fund last?

  In general, all of these Funds are considered long-term, illiquid investments, designed to give you ongoing value instead of a large payoff. Each Fund has specific terms, so see the Fund offering for more information.

• How can I get started?

  Select a Fund to get more information.