For Investors
Earn 10 – 12% annually, secured by real estate, paid monthly.
You place capital. We put it to work — funding first-lien real estate loans in Ohio, underwritten in-house. Interest deposited every month.
- First-lien secured — not fund shares
- Monthly interest, deposited directly
- Minimums start at any amount
Why AVCG
Why investors place capital with us.
Four things we do differently — and why they matter to your capital.
First-lien secured — not fund shares
Real estate you can actually see
In-house underwriting on every deal
Ohio focus, disciplined market
Investor returns
Three tiers. Interest paid monthly.
Rates step up at the $500K and $1M marks. Interest is calculated daily and paid every month.
Paid monthly
- First-lien secured
- 12-month term
- Interest deposited monthly
Paid monthly
- First-lien secured
- 12-month term
- Interest deposited monthly
Paid monthly
- First-lien secured
- 12-month term
- Interest deposited monthly
Investment calculator
See what your capital could earn.
Your tier rate: 11% annual, paid monthly
Estimated monthly interest
$4,583
Estimated annual interest
$55,000
Figures are illustrative estimates based on current co-lender tiers.
Every loan is structured to protect your capital.
Maximum loan-to-value
Minimum borrower equity
Secured first-lien position
Underwriting on every deal
How the investment works
From placement to monthly deposit.
Simple, transparent, and fast — the way a private banking relationship should feel.
- 1
You place capital
Any amount — at the $500K and $1M marks your tier steps up.
- 2
We underwrite
Every borrower and property, in-house, using the same six-step review.
- 3
Capital is deployed
Your funds finance a specific first-lien loan on non-owner-occupied Ohio real estate.
- 4
You earn monthly
Interest accrues daily and is deposited to your account every month, on time.
Invest with a self-directed IRA or 401(k).
Put your retirement funds to work in real estate debt without the market volatility. We work with the major self-directed custodians.
Read the IRA / 401(k) guideCase studies
Recent deals we've funded.
Anonymized deal profiles showing how capital was deployed and what investors earned.
Cleveland duplex — 9-month flip returned 11% to investors
$221,000 loan · Cleveland, OH · 11% annualized, paid monthly
Akron bridge — 7-day close saved a $400K acquisition
$260,000 loan · Akron, OH · 12% annualized, paid monthly
Columbus infill build — 14-month construction, 10% to investors
$273,000 loan · Columbus, OH · 10 – 11% depending on tier, paid monthly
Answers to your questions
The six things investors ask us most.
Earn 10 – 12% annually depending on how much capital you place, paid out every month.
All loans are secured by a first-position mortgage on real property — not a share of a fund.
Interest is distributed monthly, deposited directly rather than locked up until a fund exits.
The only documentation required to become an investor is a completed AVCG Direct Deposit Form and a completed W-9.
We pride ourselves on quick turnaround times — expect a first response within 24 hours.
Yes — self-directed IRAs and 401(k)s are both supported. See the IRA / 401(k) guide.
What investors say
Trusted by investors nationwide.
“I've been an investor with Apple Valley for three years. Monthly interest lands the same day, every time. The reporting is dead simple.”