Fix & flipSomerset, MA — Ranch
Purchase$215K
Rehab$150K
Sale price$475K
ROI+30%
Timeline: 4 months · Operator network project
For investors
Become the bank — with a mortgage in your name's favor.
OPTOPM investors fund short-term, first-lien loans on distressed-property projects we source and underwrite in Bristol County, Massachusetts. You hold a secured position in real property; we handle the sourcing, structuring, monitoring and reporting.
$25,000Minimum participation
65–75%Maximum loan-to-value
6–18 moTypical term
MonthlyStatements with photos & status
How it works
From introduction to payoff
Eligibility checkA 60-second form confirms accredited status and how you invest (individual, IRA, entity).
Introductory callWe walk through the model, current pipeline, documents and your goals. You get every question answered.
Documents & fundingReview the offering documents, subscribe, and fund by wire or through your self-directed IRA custodian.
Updates & distributionsMonthly statements with photos; interest paid monthly or at payoff; 1099 tax reporting each year.
Investment profiles
Your money works while you don't
Choose the profile that matches your portfolio.
Bridge loans
8–10%*
target annual return · 6–12 months
- Short-term acquisition financing
- Secured by first-lien mortgage
- Monthly interest payments
- Flexible prepayment
Minimum $25,000
Fix & flip
10–12%*
target annual return · 6–18 months
- Funds the full rehab cycle
- Acquisition + materials + labor
- Senior secured position
- Lump-sum return at sale
Minimum $25,000
Portfolio blend
9–11%*
blended target · diversified
- Mix of bridges and flips
- Lower single-project exposure
- Passive management
- Quarterly rebalancing
Minimum $50,000
*Target returns are goals, not guarantees. Actual returns depend on borrower performance and property values; investments may lose value, including total loss of principal. Terms are set forth in the offering documents.
Offering terms are shared during your introductory call
We build investor relationships the old-fashioned way. Once we've spoken and confirmed eligibility, you'll receive the current pipeline, return targets, minimums and full offering documents.
Start with the eligibility check
Underwriting standards
Every deal clears this list — or it doesn't get presented.
These are the standards from the Home Resurgence operating plan. They are how we protect the capital we're trusted with.
What to ask any private lender- Maximum 65–75% loan-to-value based on an independent appraisal or broker price opinion.
- Independent third-party appraisal on every property.
- Clear title search and a lender's title-insurance policy securing the first-position mortgage.
- Borrower verification — credit, income, experience and prior projects.
- Detailed scope of work and budget for every renovation, with draws released against inspected milestones.
- Exit-strategy analysis — sale comps or refinance feasibility — before funding.
- Environmental and structural inspection reports where warranted.
- Recorded promissory note and mortgage, prepared by Massachusetts real-estate counsel, with named-insured hazard insurance.
Illustrative calculator
See how interest-only private lending compounds
Educational only — move the sliders to see how principal, rate and term interact on an interest-only note.
Total interest over term
Principal + interest at payoff
Annualized rate used
Illustration of simple interest on a hypothetical note. Not an offer, projection or guarantee; excludes fees, defaults, extensions and taxes.
Recent projects
What the capital builds
Fix & flipPhotos available on request
Fix & hold
New Bedford, MA — Duplex
Purchase$120K
Rehab$95K
Appraised$385K
ROI+79%
Timeline: 11 months · Operator network project
Photos available on request
Fix & flipTaunton, MA — Ranch
Purchase$65K
Rehab$88K
Sale price$310K
ROI+103%
Timeline: 6 months · Operator network project
Project ROI is the operator's gross return on total project cost (purchase + rehab) and is not an investor return. Projects shown were sourced and executed within the Home Resurgence operator network in Bristol County; figures are unaudited and provided for illustration only.
Eligibility check
Sixty seconds. No obligation.
Tell us how you invest and whether you meet the accredited-investor definition. We reply personally within two business days to set up a call.
Thanks — you're in our queue.A confirmation is on its way to your inbox, and a member of the OPTOPM team will reach out within two business days to schedule a short introductory call.
Who counts as an accredited investor?
Summary of SEC Rule 501(a) as of 2026 — the eligibility form asks you to self-identify; verification happens later, privately, with your documents or a CPA/attorney letter.
- Individual income over $200,000 (or $300,000 with a spouse or partner) in each of the past two years, with the same expectation this year; or
- Net worth over $1,000,000, alone or with a spouse or partner, excluding your primary residence; or
- Hold a Series 7, 65 or 82 license in good standing; or
- An entity (LLC, trust, family office, IRA) meeting the SEC's asset or ownership tests.
Prefer to talk first? (508) 813-6875
Investor FAQ
Straight answers
How is my investment protected?
Every OPTOPM loan is secured by a recorded first-lien mortgage on real property, appraised independently at a maximum 65–75% LTV, with a lender's title-insurance policy and a vetted borrower. You're backed by tangible real estate, not the promise of a company.
Do I need to be an accredited investor?
Yes — offerings are currently limited to accredited investors (see the definition above). Not sure? Choose "Not sure" on the form and we'll clarify on the call.
What's the minimum, and is there a maximum?
$25,000 for single-project participations; $50,000 for a diversified blend. There is no maximum, and entity and family-office allocations across multiple projects are welcome.
How and when am I paid?
Bridge loans pay monthly interest; fix-and-flip projects distribute principal and return at sale, typically 6–18 months after funding. Distributions are sent by ACH within five business days.
Is there liquidity?
No. These are term investments — you commit capital for the full term (6–18 months). Invest only capital you won't need short-term.
What about taxes?
You receive Form 1099 reporting for interest and gains by March 15 each year. Self-directed IRA and Solo 401(k) structures are supported through your custodian. Consult your tax adviser on structuring.
Is this a security?
Yes. Participations are offered under Regulation D. Every investor receives full offering documents, including risk factors, before committing capital. See Disclosures.