Direct Placement & Co-Lending Opportunities Backed by Real Collateral

Highland Lending partners with verified accredited investors interested in participating in asset-backed real estate originations through direct placement and loan participation structures.

These structures are designed to target double-digit annualized returns, with monthly distributions paid to investors collateralized by first-position recorded deeds of trust and supported by conservative underwriting standards.

This offering is made pursuant to Rule 506(c) of Regulation D and is available only to verified accredited investors.

How Participation Works

Through participation agreements, accredited capital partners fund loans originated by Highland Lending. Borrowers make monthly interest payments, which are used to provide distributions to participants in accordance with the governing documents.

• Backed by first position deed of trust recorded against real property
• Borrower personal guarantees obtained where appropriate
• Title insurance ensuring lien position
• Builder’s risk / hazard insurance maintained
• Conservative loan-to-value ratios (typically 60–70%)
• Underwriting focused on borrower experience, liquidity, and exit plan

Our Focused Loan Strategy

Participation opportunities are tied to specific loan originations within Highland Lending’s real estate private credit platform. We focus on short- to medium-term, asset-backed loans secured by residential real estate in established or improving markets.

• Fix & Flip / Value-Add Renovation — financing improvements to existing homes with defined exit strategies.
• Rental Bridge — short-term loans used for acquisition, stabilization, seasoning, or refinance preparation for long-term holds.
• New Construction — infill development, build-to-sell, or build-to-rent projects in high-demand corridors supported by draw oversight.

These loan categories provide the collateral profile, duration, and defined exits that align with our underwriting standards and capital partner objectives.

Who We Lend To

Our borrowers are typically experienced real estate investors and developers—operators with demonstrated capacity to execute their business plans, manage renovations, and exit projects successfully.

• Repeat operators with completed project history
• Investors focused on value-add residential opportunities
• Builders and developers deploying capital into infill markets
• Borrowers contributing cash and equity toward their projects

Each opportunity is evaluated based on collateral, sponsor experience, market demand, and capital structure.

Targeted Monthly Distributions

Opportunities are structured to target double-digit annualized returns for accredited participants, with distributions typically made monthly based on borrower payment schedules and participation terms.

Actual results may vary and depend on borrower performance, market conditions, and project outcomes.

Designed to Help Protect Investor Capital

• Recorded deed of trust / mortgage against real property
• Borrower guarantees and financial review
• Conservative Loan-to-Value ratios
• Insurance requirements maintained
• Draw schedules tied to verified progress
• Experienced, repeat borrowers prioritized

No strategy can eliminate risk entirely. Our focus is on disciplined structuring intended to minimize downside exposure where possible.

Request Accredited Investor Call

If you qualify as an accredited investor and wish to explore participation opportunities, we invite you to schedule a confidential introduction call with our team.

Regulation D 506(c) Disclosure

This communication is intended solely for verified accredited investors as defined by Rule 501 of Regulation D. The ability to participate is contingent upon completion of a third-party accreditation verification process.

This webpage does not constitute an offer to sell or the solicitation of an offer to buy any securities. Any offering is made solely by confidential offering materials, which should be reviewed carefully prior to investing.

Targeted returns are not guaranteed. Investment involves risk, including loss of principal. Past performance does not guarantee future results.