Private lending · Real estate
MorCap connects private lenders with vetted real estate operators. You provide the capital. We do the work. Your investment is secured by real property.
Invest with us$2M+
Target deployed, Phase 1
Secured
By real property on every loan
Short
Term, asset-backed lending
St. George
Utah — and select markets
Why MorCap
Asset-backed security
Every loan is secured by a recorded deed of trust against the property. Your capital has collateral.
Vetted operators only
We lend to experienced real estate operators we know and have underwritten. No blind placements.
Competitive returns
Earn a preferred rate on your capital — paid from interest and points collected on each deal.
Simple structure
One lender. One borrower. One deal. No pooled fund — you know exactly where your money is.
How it works
01
Initial conversation
We learn about your goals, your available capital, and your timeline. No pressure, no commitment.
02
Review the deal
When a deal matches your profile, we walk you through the property, the borrower, and the terms before you commit a dollar.
03
Fund and earn
Once you're in, your capital is secured by a recorded deed of trust. Returns are paid per the terms of the note.
Common questions
How is my investment protected?
Your capital is secured by a recorded deed of trust against the property. We underwrite conservatively, lending well below the property's value — and we discuss lien position and structure with you before any deal is funded.
What kind of returns can I expect?
Returns vary by deal. We'll discuss rate, term, and structure before you commit to anything. We're not a pooled fund — every deal is its own agreement between you and the borrower, with us facilitating and managing the process.
What is the minimum investment?
Minimums vary depending on the deal. We'll discuss fit during our initial conversation. Most loans are in the $100K–$500K range.
Who are the borrowers?
We lend to experienced real estate operators — primarily investors in the co-living, rehab, and fix-and-flip space. We know our borrowers personally and have underwritten their deals before bringing lenders in.
Get started
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