+PLURAL AMERICA
A mortgage fund with a REIT structure that benefits investors.
In 2022 our company introduced Plural America Capital Fund, a mortgage fund with a REIT structure that benefits investors. Since firm’s inception, Plural Capital has followed a client-first approach, with a consistent emphasis on smart capital deployment and preservation.
Plural America Capital Fund is a Private Lender.
That means loans are funded by investors. It makes approval easier and funding quicker.
A Win-Win Approach
Plural America’s client-first approach is supported by a consistent emphasis on smart capital deployment and preservation since the firm’s inception. Plural America continues to pursue that strategy with the addition of new options for investors. the team prides itself for consistently achieving results and the implementation of a REIT structure allows Plural America to continue to work to improve the investment process for its partners.
The Plural America Capital Fund (The Fund) raises money through an offering of Membership Interests, so investors will be an equity owner in the entire fund. The Fund in turn makes investments in real estate loans through its REIT subsidiary.
Bridge Loans help local communities repair unsafe or unhealthy housing, modernize and rehabilitate outdated housing stock, convert industrial and retail properties into residential properties, and create jobs via local construction employment.
Self Directed IRA
Target Duration: 5 to 10 years
Minimum Investment: as low as $10k
Accredited Investors
Target Duration: 2-5 years
Minimum Investment: as low as $25k
Foreign Investors
Target Duration: 2-5 years
Minimum Investment: as low as $50k
Investor Benefits of a Debt Fund with a REIT Structure:
REIT Structure
Investors will purchase a Membership Interest in the Fund and the REIT will owned by the Fund (a subsidiary).
Target Return
Investors will earn up to 8% preferred return, plus 50% of any return in excess of 8% in any give year. (*Your return on a Membership Interest will depend on portfolio results.)
Investment Strategy
Utilizing our best practices. We are not changing our business, just improving our structure.
Diversification
By investing in Members Interest, your funds risk will be spread across the entire portfolio of loans giving your investment diversification across geography, property types, and loan size.
Steady Deployment of Capital
When the Fund receives a payoff, as Managers, we can efficiently redeploy that cash into the next closing.
Potential Tax Savings
Up to 20% of qualified net income may be excluded from taxable income of the Fund Members, under the Jobs Act of 2017.
IRA Expense Savings
By investing in a Membership Interest, you will avoid the fees associated with the ins and outs of individual participations.
Flexible Distributions
You may elect to receive quarterly income distributions from the Fund or you can choose to have that income reinvested as an additional capital contribution.
Rollover of Existing Investments
Current investors may opt to have payoffs from your existing account invested in Membership Interests of the Fund.
Liquidity
After the first year, investors may redeem their Membership Interest subject to certain limitations outlined in the Private Placement Memorandum.
Our REIT Fund aims to preserve principal, provide current income, and deliver a high level of consistent returns through exposure to a portfolio of first-lien real estate mortgage loans. The Fund will invest the majority of its assets in short-term bridge loans secured by non-owner occupied residential and multifamily related properties originated by the Prospera Mortgage team or Prospera Mortgage approved originators and affiliates.
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