Wise Real Estate

High Return Equity Investment Lien

I’m presenting a unique opportunity for an angel investor to earn a strong return on a well-secured real estate-backed investment. My home was recently appraised at $639,000, with only $316,931 remaining on a 15-year first mortgage at a 1.99% fixed rate—leaving substantial equity in place. I’m offering a second-position investment of $194,000, representing 80% loan-to-value, to consolidate a home equity loan and personal debt. In return, you’ll earn a fixed 5.75% annualized return, with no monthly payments required. You’ll be repaid in full—with your return—within 11 years or sooner, through a home sale or refinance. Your investment is secured by the property, offering strong collateral, a defined timeline, and a clear exit strategy—making this a compelling, low-risk opportunity for a solid return.This opportunity reflects an 80% loan-to-value position, with the investor contribution set at $194,000. The funds will eliminate a $152K home equity loan and a small personal loan, freeing up cash flow and simplifying the debt structure. The property’s strong equity buffer and low first mortgage create a highly secure environment for your capital. With no monthly payments required, your investment compounds quietly over time and is structured for a full repayment—plus a 5.75% annualized return—through a future home sale or refinance, ensuring both safety and a rewarding outcome within 11 years or less.

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