Disclosures

1. Not an offer or solicitation

Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any security. All lending and investment activities are subject to a separate written agreement between Apple Valley Capital Group and the borrower or investor.

2. Returns are not guaranteed

Illustrative returns (including tier rates of 10%, 11%, and 12%, and any figures shown by the investment calculator) are indicative and not guaranteed. Actual returns depend on specific loan performance, timing of placement and payoff, and other factors. Past performance is not indicative of future results.

3. Secured lending

Every Apple Valley Capital Group loan is secured by a first-lien mortgage on real property. However, no investment is without risk, and default, delay, or shortfall on recovery is possible. First-lien security materially reduces — but does not eliminate — the risk of loss.

4. Property scope

Apple Valley Capital Group lends only on non-owner-occupied real estate. Loans are made to business entities with a personal guarantee from a principal.

5. Not tax or legal advice

Information on this site — including any discussion of self-directed IRAs, 401(k)s, or the tax treatment of interest income — is provided for general educational purposes only. It is not tax, legal, or investment advice. Please consult a qualified professional before making any decision.

6. Jurisdictional limits

Apple Valley Capital Group's lending activities are focused on Ohio. Availability of any loan or investment product may be limited by state or federal law. Nothing on this site should be construed as an offer to lend or invest in a jurisdiction where such an offer would be unlawful.

7. Third-party content

Links or references to third-party sites, custodians, or services are provided for convenience. Apple Valley Capital Group is not responsible for the content, accuracy, or practices of third parties.

Questions?

Please contact us with any questions about these disclosures.