Real Estate Debt Fund
Business Plan
EMAC Mortgage Fund specializes in short-term, real estate-secured loans (6–36 months). These loans bridge financing gaps for borrowers unable to secure traditional bank funding. The fund focuses on income-producing properties, rehabilitation projects, and value-add opportunities like ADU financing in California. By targeting assets with strong income potential and low loan-to-value (LTV) ratios, the fund ensures secure, predictable returns.
California's housing shortage and high property values create significant demand for short-term lending solutions. Borrowers use these funds for acquisitions, property improvements, or refinancing, ensuring consistent deal flow.
Competitive Advantage
EMAC Mortgage Fund has over 20 years of experience in private money lending. Its last-quarter distribution reached 11.25%, a notable above-market return. Unlike competitors, EMAC accesses unique deal flow channels in high-demand regions like Southern California. The fund's partnership with a Fitch-rated loan servicer ensures reliable loan management, further strengthening investor trust.
Traction
EMAC Mortgage Fund has successfully funded over 1 billion in private and portfolio loans across its 25-year history. Its proven performance includes high investor retention and a steady delivery of returns. The fund’s careful management through market uncertainties, such as COVID-19, highlights its resilience. Recent results—11.25% in quarterly returns—demonstrate the strength of its lending model.
Why Now
The California housing market is poised for recovery, with single-family home sales projected to rise 22.9% in 2024. Post-pandemic shifts have increased demand for short-term financing, especially for rehabilitation and value-add projects. While competitors face legacy challenges, EMAC Mortgage Fund moves forward with no excess exposure and a stable, scalable approach.
Macro trends like housing shortages, rising property values, and high borrower demand for flexible capital create a prime growth environment for real estate debt investments.
Why Here
California's housing market continues to outperform national averages. Strong economic growth, population influx, and housing shortages drive demand for bridge loans and short-term financing. In regions like Southern California, property appreciation and a steady flow of real estate activity create secure, high-value lending opportunities.
Team
Matt Murphree: Fund Manager with 26 years of lending experience and 160 million in funded private loans.
Lorette Murphree: Real estate and lending professional with two decades of success in Southern California markets.
Ron Brandenburg: Managed over 750 million in real estate funds, specializing in mortgage default servicing.
Michael Bremser, PhD: 20-year real estate investor with a background in engineering and venture consulting.
Deal Terms
Funding Target: 40–45 million
Minimum Investment: 25,000
Target ROI: 8–9% annually; most recent quarterly returns reached 11.25%
Use of Funds: Expand EMAC’s proven mortgage portfolio across California and select markets
Exit Strategy: Short-term secured loans with predictable distributions and loan payoffs
