Secured Investment Corp

What Secured Investment Corp does

Secured Investment Corp (SIC) is a privately held, Idaho-headquartered private money lending and real estate fund manager that originates and manages first-lien, real-estate-secured loans for non-owner-occupied residential investment properties. The company manages a multi-vehicle fund platform including the High Yield Fund II (accredited investors, $50,000 minimum, 9% preferred rate), Circle of Wealth Fund III (any investor, $1,000 minimum, 6% preferred rate), Fixed Income Fund V (accredited investors, $5,000 minimum, 5% fixed, 90-day term, monthly payouts), and direct mortgage notes marketed at 8-12% average returns with a 70% maximum LTV. Underwriting is anchored on a proprietary "4-Pronged Approach to Value-Based Loan" — evaluating deal structure, location, LTV, and borrower capacity — using asset-based rather than conventional credit standards. The investor portal runs on AppFolio Investor Management and loans are serviced through wholly owned Lake City Servicing; borrower origination flows through Cogo Capital's nationwide broker network spanning 35+ US states.

The business operates a vertically integrated "Circle of Wealth" ecosystem comprising wholly owned subsidiaries: Cogo Capital (loan origination and broker network), Lake City Servicing (servicing, collections, foreclosure), The Lee Arnold System of Real Estate Investing (education and lead generation), REIClub (investor community), and Cogo Realty (turnkey rental properties with 1031 exchange support). Revenue is generated through a combination of recurring asset management fees (1.75% annually on Fund II's Asset Base, paid quarterly), performance-based distributions (50% of net proceeds above hurdle returns), origination points and interest-rate spread retained on loans sold whole in the secondary market, and transaction-level fees on mortgage note placements. Investor capital is accessed through Reg D private placements, a preferred custodian network (Unified Wealth Systems, Equity Trust, CamaPlan, Inspira Financial) for self-directed IRA/401(k) accounts, and direct sales outreach to accredited investors.

The company has facilitated over $1 billion in cumulative real estate deals since inception (Lee Arnold rebuilt the business after the 2008 crash), holds NMLS licensing (#1760709) plus Arizona and California mortgage lending licenses, and operates under president Jaclyn Olsen (promoted from CFO in September 2023) with Lee Arnold serving as Chief Visionary Officer. Headcount is not formally disclosed beyond the three managing professionals credited on Fund II materials plus a broader executive and investor-relations bench.

Name

Secured Investment Corp

Legal name

Secured Investment Corp

Website

https://securedinvestmentcorp.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Secured Investment Corp is a privately held Idaho-based private money lender and real estate fund manager that originates first-lien loans and operates multiple investment funds for accredited and retail investors seeking asset-backed, non-stock-market-correlated returns.

Ownership category

akta.pro rank

Product category

Private Money Real Estate Lending

NAICS

Other Investment Pools and Funds (5259), Open-End Investment Funds (525910), Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Investors, Nec (6799)

akta.pro primary industry

Senior Secured Direct Lending (FSANADAA)

akta.pro secondary industries

Private Credit / Direct Lending (FSAAAHAG), Real Estate Funds — Core (Stabilized, Income) (FSANAEAF), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Private money lending
• Real estate investment funds
• Mortgage note investing
• Asset-based underwriting
• First lien loans

Headquarters

HQ city

Coeur D Alene

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Management Fee (Fund II): Annual asset management fee equal to 1.75% of the Fund's Asset Base payable quarterly. Asset Base equals cash and fair market value of permitted temporary investments, principal loan amount associated with Target Assets, and amount of reserves maintained by the Fund.
2. Performance-based Distributions: After 2.25% quarterly return to members, 50% of Net Available Proceeds From Operations goes to Manager and 50% to members. For Net Capital Transaction Proceeds, after 9% cumulative annual return and capital recovery, 50% goes to Members and 50% to Manager.
3. Origination Points and Interest Spread: Revenue from origination points and interest rate spread retained when loans are sold as whole notes or funded by SIC's equity funds. Loans sold in secondary market, retaining interest rate spread while reducing default risk.
4. Mortgage Note Investing: Investors invest directly in mortgage notes (trust deeds) earning 8-12% average returns with maximum 70% LTV. SIC facilitates connection between private lenders and borrowers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Secured Investment Corp manages private money real estate investment funds (High Yield Fund II, Circle of Wealth Fund III, Fixed Income Fund V) and a mortgage notes program, deploying investor capital into first-lien loans secured by non-owner-occupied residential properties. The company operates a vertically integrated ecosystem spanning investor education, loan origination (via Cogo Capital), fund management, and loan servicing (via Lake City Servicing), targeting accredited and non-accredited investors seeking double-digit, asset-backed passive returns.

Product overview

Secured Investment Corp operates a multi-product real estate investment platform centered on private money lending and real estate funds. The core offerings include four investment funds: High Yield Fund II (accredited investors, $50K minimum, 9%), Circle of Wealth Fund III ($1K minimum, 6%), Fixed Income Fund V ($5K minimum, 5% fixed, 90-day term), and Mortgage Notes (8-12% returns). The ecosystem includes wholly owned subsidiaries: Cogo Capital (loan origination for borrowers), Lake City Servicing (loan servicing and management), and The Lee Arnold System (investor education). Turnkey real estate properties are offered through the affiliated Cogo Realty brand. The company connects private lenders with real estate borrowers, focusing on first-lien position loans secured by non-owner occupied residential properties.

Differentiator

Problem solved

Functional benefit

Brands

• Secured Investment High Yield Fund II: Real estate-focused investment opportunity for accredited investors through private money notes and carefully chosen real estate projects, managed by Secured Investment Corp with a 9% preferred rate.
• Circle of Wealth Fund III
• Fixed Income Fund V

Products and services

• Secured Investment High Yield Fund II

Quantifiable outcome

• 9-14% historical annualized returns
• +6 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core, preferred and minor.

• Cogo CapitalcoreStrategic or Co-development PartnerSister company operating as 'The Private Money Company.' Works with borrowers to originate, process, and close private money loans. Has nationwide network of private money brokers offering loan options in most US states. Cogo Capital is core to the borrower acquisition and loan origination pipeline for SIC funds.
• Lake City ServicingcoreImplementation/ SI/ Consulting PartnerWholly owned servicing company that manages loans from closing through payoff. Collects and distributes payments, sends billing and late notices, oversees rehab draw disbursements, tracks insurance and property tax, prepares tax reporting, and performs foreclosure proceedings if needed.
• The Lee Arnold System of Real Estate InvestingcoreStrategic or Co-development PartnerEducation arm of the family of companies providing workbook education and real estate theory training. Clients engage with consultants, participate in online lead generation systems like Private Money Exchange, and attend in-person trainings. Goal is to attract trained investors who borrow through Cogo Capital and may become lenders in SIC.
• Unified Wealth SystemspreferredChannel Partner/ Reseller/ DistributorPreferred custodian partner helping investors get started investing with Fund II, Fund III and Notes using self-directed IRA or 401(k) accounts.
• Equity TrustpreferredChannel Partner/ Reseller/ DistributorPreferred custodian partner helping investors get started investing with Fund II, Fund III and Notes using self-directed retirement accounts.
• CamaPlanpreferredChannel Partner/ Reseller/ DistributorPreferred custodian partner helping investors get started investing with Fund II, Fund III and Notes using self-directed retirement accounts.
• Inspira FinancialpreferredChannel Partner/ Reseller/ DistributorPreferred custodian partner helping investors get started investing with Fund II, Fund III and Notes using self-directed retirement accounts.
• He's The Solution MinistriesminorOthersNon-profit program founded by Lee Arnold and wife Jaclyn for discipleship training and spiritual encouragement. Hosts annual Be Bold For Jesus conference. Lee Arnold teaches workshops and hosts Sunday Bible study for customers and community.
• Habitat for HumanityminorOthersCompany team regularly helps on builds for Habitat for Humanity as part of community service and mission to improve neighborhoods.
• Make-A-Wish FoundationminorOthersCompany annually sponsors at least one wish for the Make-A-Wish Foundation as part of community giving program.
• Special OlympicsminorOthersCompany sponsored Special Olympics basketball team's travel expenses to the National Championship, including funding first-time airplane travel for some athletes.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LendingHome (Kiavi): Online private real estate lender that funds fix-and-flip and rental investors with first-lien mortgage products. Most directly comparable to SIC's Cogo Capital arm by product (short-term bridge loans to real estate investors), customer base, and distribution through brokers.
• Lima One Capital: Specialty private money lender focused on fix-and-flip, rental, and new construction loans for real estate investors. Comparable to SIC in target borrower segment, first-lien bridge loan product, and institutional-style underwriting.
• EquityMultiple: Online platform offering private real estate debt and equity investments to accredited investors. Comparable to SIC's regulated private placement fund offerings (Fund II) with similar minimums and targeted yields.
• Fundrise: Direct-to-investor real estate investment platform offering multiple fund products to both accredited and non-accredited investors. Closest comparable to SIC's multi-tiered fund strategy (Fund II / Fund III / Fund V) and self-directed retirement account capabilities.
• Groundfloor: Real estate debt crowdfunding platform that originates short-term, first-lien loans to residential fix-and-flip investors. Comparable to SIC's mortgage note product and private money lending model with broad investor access.
• Yieldstreet: Alternative investment platform offering diversified income products including real estate debt. Comparable to SIC in targeting accredited investors seeking yield, with multi-product fund structures and self-directed retirement wrappers.
• CrowdStreet: Online private real estate investment marketplace offering diversified funds and direct deals to accredited investors. Comparable to SIC's accredited-only Fund II and direct private lending offerings.

Broad incumbents

• CoreVest (Redfin): Acquired by Redfin in 2021; provides bridge loans and rental loans to residential real estate investors. Comparable in core product (first-lien private money loans to investors) but operates as part of a larger incumbent (now Redfin).
• Angel Oak Mortgage Solutions: Non-QM and private mortgage lender for owner-occupied and investor properties. Comparable to SIC's asset-based, non-conventional lending approach, with broader institutional capabilities and expanded product suite.
• Lima One Capital / anchor: JLL Real Estate Capital Markets: JLL's Real Estate Capital Markets division provides debt and equity placement for institutional real estate — a broad incumbent serving adjacent capital-raising and financing needs for commercial real estate, comparable in capital markets intermediation to SIC's private placement and fund management activities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/results?search_query=Secured+Investment+Corp
• LinkedInlinkedin.com/company/secured-investment-corp
• Xx.com/secinvcorp
• Facebookfacebook.com/securedinvestmentcorp

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Secured Investment Corp