ISAZA CAPITAL / INVESTOR PERSPECTIVES
THE ECONOMICS, MADE VISIBLE
Six hypothetical scenarios from the proposed framework. Explore loan revenue and modeled income on a $100,000 fund interest side by side. These are planning illustrations, not offered returns or a performance record.
HYPOTHETICAL SCENARIO / 6 MONTHS
A $300,000 acquisition bridge against a property supported at $450,000. The plan is a timely sale or refinance.
12% annual borrower interest · 2% origination
$18,000 interest + $6,000 origination
Over 6 months · before personal taxes
HYPOTHETICAL SCENARIO / 12 MONTHS
A $500,000 loan for an investor repositioning a property supported at $800,000, with a 12-month execution window.
12% annual borrower interest · 2% origination
$60,000 interest + $10,000 origination
Over 12 months · before personal taxes
HYPOTHETICAL SCENARIO / 24 MONTHS
A $1 million retail-property loan gives a sponsor 24 months to improve occupancy and prepare for permanent financing.
12% annual borrower interest · 2% origination
$240,000 interest + $20,000 origination
Over 24 months · before personal taxes
HYPOTHETICAL SCENARIO / 36 MONTHS
An equestrian owner uses $1.5 million for transitional refinancing and operational improvements over 36 months.
12.5% annual borrower interest · 2% origination
$562,500 interest + $30,000 origination
Over 36 months · before personal taxes
HYPOTHETICAL SCENARIO / 36 MONTHS
A $2 million residential-development commitment averages $1.7 million advanced over a 36-month project.
14.5% annual borrower interest · 2.5% origination
$739,500 interest + $50,000 origination
Over 36 months · before personal taxes
HYPOTHETICAL SCENARIO / 60 MONTHS
A $4 million mixed-use commitment averages $3.4 million advanced across 60 months of development and stabilization.
15% annual borrower interest · 2.5% origination
$2,550,000 interest + $100,000 origination
Over 60 months · before personal taxes
90% of contributed capital supports loan commitments; 10% stays in cash. Annual modeled costs equal 3% of contributed capital: 1.5% management, 0.5% operations, and a 1% credit-loss allowance.
The model assumes scheduled collection and repayment, all origination fees retained by the fund, no performance fee, no borrowing, and no compounding. Development loans average 85% of committed funds outstanding. Income excludes return of original capital.
Fees, idle capital, delays, early repayment, and losses change results. Collateral does not guarantee repayment; losses can exceed the allowance and include invested principal. Investor distributions depend on available cash and the final fund terms.
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