The EP Guardian Fund – A Private Mortgage Fund Investment Opportunity
Stable Monthly Cash Flow with a Focus on Capital Preservation
The EP Guardian Fund (“Fund”) is a private mortgage fund that offers investors an opportunity to invest in a diversified portfolio of short-term loans secured by commercial real estate, non-owner occupied residential, construction, fix and flip, mixed-use, and similar investment properties without the responsibility and stress of managing real estate assets.
While all investments come with an element of risk, the Fund has generated a competitive annualized yield between 8% and 11% since inception.
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Got Questions? Ready To Take the Next Step?
Complete our online Investor Inquiry Form and we’ll get back to you within one business day. You can also reach out to us at [email protected] or 760.516.7776.
Annualized Returns
Fund Origins
The fund’s returns have been impressive, reliable, and have met or exceeded expectations.
How Investors Benefit
Excellent Yield—The Fund, since its inception, has generated a competitive annualized yield ranging between 8% and 11%.
Security—Loans are secured by tangible, diversified real estate assets, all of which are 1st Trust Deeds, with an average Loan-to-Value ratio of approximately 50%.
Diversification—The fund enjoys a diversity of loan types: construction, property improvements, office buildings, retail, housing, and land across the western United States.
Distributions/Dividends—Investors have a choice of monthly distribution vs. reinvested distributions (simple interest vs. compound interest).
I continue to recommend Enact to anyone looking for a solid return on hard money loans. …I like their conservative valuations, their focus on quality projects instead of churn, and their transparency.
Fund Management
The Enact Partners team has decades of collective experience in real estate development and commercial lending.
They offer investors transparency on Fund activities by providing regular communication and insight through a monthly investor newsletter that provides information on Fund performance and details on loans in the portfolio.
- Fund name: EP Guardian Fund, LLC
- Managed by: Enact Partners
- Bank: Endeavor Bank
- CPA: Harbor View Advisors
- Fund Account Management: FCI Lender Services
- Loan Servicer: Note Servicing Center
- Legal: Seidenwurm Law
- Compliance: YOM
- Audit: Platform CPAs, LLP
- Licensing: CFL License 60DBO-82192
Who Can Be an Investor?
Our investors come from a variety of backgrounds and life experiences, including retired individuals, couples, and business people. They seek sound investment vehicles focused on asset protection and growth through consistent monthly cash flow.
Accredited Investors—Individuals who have earned income that exceeded $200,000 (or $300,000 together with a spouse) in each of the prior two years and reasonably expects the same for the current year, OR a net worth of over $1 million, either alone or together with a spouse (excluding the value of the person’s primary residence).
Trusts—Revocable and Irrevocable Trusts, where the guarantors are accredited investors, or total assets exceed $5 million.
Self-Directed IRAs or Profit-Sharing Plans
LLCs or Corporations—In which the equity owners are accredited investors
What attracted me to EP Guardian Fund was their business model and excellent returns. … I, without any reservation, recommend to others EP Guardian Fund for their investment needs.
Investor Case Study
Annie invested $100,000 at the inception of EP Guardian Fund in 2019 and opted to reinvest her monthly interest earnings. As of June 2024, this investor earned an average annualized return of 10.55% over the course of her investment.
Results
- Initial Investment: $100,000
- Date of Investment: August 2019
- Value of investment as of June 2024: $151,853
- Total Annual Return: 10.55%
Got Questions? Ready To Take the Next Step?
Complete our online Investor Inquiry Form and we’ll get back to you within one business day. You can also reach out to us at [email protected] or 760.516.7776.
The EP Guardian Fund Model
Take The Next Steps
Enact Partners looks forward to discussing your interest in the EP Guardian Fund. If you have questions or want to learn more about this opportunity, call us at 760.516.7776 during business hours, Monday through Friday, from 8:00 am to 5:00 pm PT.
You can also get answers through our website by completing our online Investor Inquiry Form. Fill it out and submit it and we’ll get back to you within one business day.
If you prefer email, you can reach out to us with questions at [email protected].
EP Guardian Fund
As a 506(c), Regulation D, Investment Fund, the EP Guardian Fund is regulated under the California Finance Law Licensing which has oversight by the Department of Financial Protection and Innovation. The Fund engages a third-party accounting firm to conduct an annual audit of its financial statements. The Fund’s audit findings are available to Fund investors upon request.
FUND OVERVIEW
- Fund Type: 506 C Regulation D
- Maximum offering: $100,000,000
- Minimum investment: $50,000 (1 year commitment)
- Investor returns: 80% of net income
- Investor criteria: Accredited investors only
- Primary asset class: Real estate loans, diversified
LENDING PROFILE
- Business purpose loans (no consumer loans). We lend on office, industrial, retail, residential, land, construction, and fix and flip.
- We do business primarily in the western United States: California, Oregon, Washington, Wyoming, Idaho, Montana, Nevada, Arizona, Utah, Colorado, New Mexico, and Texas.
Download the EP Guardian Fund Investor Opportunity Overview
Questions
Frequently Asked Questions
Got questions? Start here with answers to frequently asked questions for investors. If you don’t find what you’re looking for here, feel free to contact us.
EP Guardian Fund is a private mortgage fund that provides business purpose loans secured by commercial real estate, non-owner occupied residential, land, and similar investment properties. The Fund’s primary objective is capital preservation, with the goal of delivering investors annualized returns of 8.00%.
The Fund offers accredited investors the opportunity to invest in loans secured by real estate without the responsibility and stress of managing real estate assets. Loans are diversified in terms of asset class and geography. Returns are paid monthly and they are non-correlated to the stock market.
The EP Guardian Fund requires that investors provide third-party confirmation of Accredited Investor status per the Securities Act of 1933. Being an Accredited Investor means that you meet specific benchmarks, based on either your income or your net worth.
You can obtain verification of your Accredited Investor status from your CPA, Broker-dealer, Attorney, or Financial Advisor.
Vesting is a term for the exact name or phrase describing the way in which you are going to invest in the EP Guardian Fund. You can invest as an individual, as a couple, or through an entity or IRA account. Your Vesting will spell out that distinction.
Yes, you may invest in the Fund through a self-directed IRA/Roth IRA Retirement account, upon manager approval of your subscription request. This is a very popular way to invest. It typically involves some coordination with your IRA Administrator and our team is happy to assist.
Interest is distributed on a monthly basis, in the form of a check or electronic bank transfer to the account of your choosing.
The minimum amount to invest in the EP Guardian Fund is $50,000. Once you are in the Fund, you can invest additional funds in smaller increments upon manager approval.
Yes. Fund investors can choose to receive their monthly distribution or reinvest those earnings each month. Reinvesting allows your investment to grow using the power of compound interest. Investors are able to change this election at any time they wish.
All Fund paperwork is handled remotely and securely.
- We are available by phone or email to answer questions and explain the process.
- We can provide online links to the Fund materials.
- Investors complete and sign your documents electronically.
- We frequently work with the investor’s team such as investment advisors, attorneys and accountants since most are familiar with the investment structure and process.
As a 506(c), Regulation D, Investment Fund, the EP Guardian Fund is regulated under the California Finance Law Licensing which has oversight by the Department of Financial Protection and Innovation. The Fund engages a third-party accounting firm to conduct an annual audit of its financial statements. The Fund’s audit findings are available to Fund investors upon request.
