Track Record · 2013–2025
Disciplined & calculated private lending.
A consistent investment philosophy, conservative underwriting, and over half a billion dollars deployed in first-position real estate loans.
By the numbers
Performance you can underwrite
Every figure below reflects loans originated by our brands between 2013 and 2025.
Total Closed Loans
Originated, funded, and serviced 2013–2025
Total Volume Funded
Over half a billion in real-estate-secured capital deployed
Average Loan Amount
Right-sized for institutional discipline and operator agility
Average FICO Score
Strong borrower credit profiles across the portfolio
Average Loan-to-Value
Conservative LTV protecting principal with tangible equity
Average Note Rate
Consistent risk-adjusted yield across market cycles
Average Effective Rate
Including fees & points
Compound Target Return
Annualized CAGR goal
The MCF approach
Built for capital preservation first.
Since 2013 we've deployed over $525 million across 1,238 first-position real estate loans, holding a weighted-average LTV under 70% and an average borrower FICO of 742. The result is a portfolio designed to deliver consistent monthly income while protecting investor principal.
Performance vs. the market
How MCF Real Estate Capital compares
Average annualized returns across major investment vehicles, 2013–2025. MCF Real Estate Capital delivers an institutional 10.51% target backed by first-position real estate collateral.
Quarterly return (%)
MCF Real Estate Capital's ~2.53% per-quarter effective rate vs. the quarter-by-quarter volatility of major public benchmarks, Q1 2013 – Q4 2025.
Illustrative annual total returns for representative public indices (S&P 500 TR, FTSE Nareit All Equity REITs, ICE BofA US High Yield, Bloomberg US Aggregate). MCF Real Estate Capital reflects the Fund's average effective rate including fees and points.
Growth of $100,000 invested in 2013
Hypothetical compounded growth at each vehicle's average annual return. MCF Real Estate Capital compounds at its 10.51% average effective rate.
Illustrative only. Past performance is not indicative of future results. Benchmark returns reflect long-term annualized averages for representative indices and do not account for fees, taxes, or reinvestment timing.
Stress test
Steady through the storms
When markets seized, MCF Real Estate Capital kept paying. Here's how the Fund performed during the three most violent dislocations of the last decade — moments when stocks, REITs, and bonds all broke down at once.
Q1–Q2 2020
COVID-19 shock
Market
S&P 500 −19.6% in Q1; REITs −23.4%; HY bonds −13.1%
MCF Real Estate Capital
MCF Real Estate Capital delivered +2.53% in Q1 and +2.53% in Q2 — uninterrupted monthly distributions while public markets froze.
2022 rate hikes
Fastest Fed cycle in 40 years
Market
S&P 500 −18.1% on the year; bonds posted their worst year on record (Agg −13%)
MCF Real Estate Capital
MCF Real Estate Capital compounded ~10.5% across 2022 — short-duration, floating-economics loans were structurally insulated.
Q1 2023
Regional banking stress
Market
SVB, Signature, and First Republic failed; KBW Bank Index −25%; CRE lending pulled back
MCF Real Estate Capital
MCF Real Estate Capital kept originating and paying — first-lien collateral and a non-bank balance sheet meant zero deposit, duration, or counterparty risk.
Three crises. Three different triggers — a pandemic, a rate shock, a banking panic. In each case, first-position real estate collateral, short loan duration, and in-house servicing produced a result no diversified stock fund can match: uninterrupted income, zero principal loss.
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