Real Estate Private Notes & Secured Investments
Invest Like
the Pros
Strong Yields. Real Collateral. Trusted by Investors for Over 25 Years.
A Track Record You Can Trust
Why Invest With Prime Pinnacle
Access the same secured investment opportunities trusted by leading private equity firms, hedge funds, and REITs — now available to individual investors.
Capital Preservation
Our fund managers focus on capital preservation above riskier yields. By averaging a 65% LTV when pricing debt, we prioritize protecting your principal over chasing returns.
High-Yield Returns
Residential fix-and-flip and secured asset loans generate high-yield, double-digit income returns for investors — consistently outperforming CDs, bonds, and many traditional vehicles.
Access to Niche Markets
Our fund provides access to niche or specialized credit markets that are not readily available to individual investors outside of institutional partnerships.
Limited Exposure
Loans are short-term — 6 to 12 months — which limits your exposure to market cycles, interest rate fluctuations, and long-term economic uncertainty.
Diversification
Our fund is structured to diversify originations and loans across borrowers, submarkets, and regions — reducing concentration risk across your investment portfolio.
Predictable Monthly Income
Interest payments are released monthly on the last Friday of the month — delivering consistent, predictable cash flow you can count on, month after month.
How It Works
Getting started is straightforward. Our team guides you through every step from initial inquiry to your first monthly payment.
Connect With Our Team
Fill out our contact form or call us directly. We'll send you detailed information, discuss your investment goals, and explore whether there's a good fit.
Review & Select a Note
We present available mortgage note opportunities matched to your return objectives and risk profile. Notes range from $50,000 to $1,000,000 with 6–12 month terms.
Receive Monthly Payments
Once invested, interest payments are distributed monthly on the last Friday of each month. At loan payoff, you receive your principal plus any accrued interest.
Investment Highlights
Every mortgage note offered through Prime Pinnacle is structured with multiple layers of protection for your capital.
Investment Details
Returns & Note Terms
- Earn 8–11% interest on notes secured by real estate — most returns are 10%
- Short-term notes: 12-month term, interest paid monthly on the last Friday of the month
- Long-term notes: up to 5 years for buy-and-rent strategies — returns of 6–8%, less competition from other buyers
- 5-year notes secured by non-owner-occupied properties at no more than 65% LTV
- Note sizes range from $50,000 to $1,000,000
- Minimum investment: $50,000
Liquidity & Reinvestment
- When your mortgage pays off, you receive principal plus any accrued interest for that month
- In most cases, Prime Pinnacle will have a new loan opportunity ready immediately for seamless reinvestment
- In an emergency, we will make every effort to sell your note to another investor at no cost to you
- In rare cases where no buyers are available, notes may be sold at a discount
- Group note participation available — two or more investors holding fractional ownership
Self-Directed IRA (SDIRA)
- Yes — real estate is one of the most popular assets among self-directed IRA investors
- Use your SDIRA to invest in mortgage notes, single or multi-family homes, and more
- Real estate values don't fluctuate with the stock market — adds resilience to your retirement portfolio
- Investing with a Roth IRA can allow you to pass investments to a beneficiary tax-free
- Traditional IRA investments allow you to defer taxes on contributions and earnings until distribution
- Real estate investments can be used to build and transfer generational wealth
Security & Insurance
- All mortgage notes are insured using a Lender's Mortgage Title Policy that transfers to you upon purchase
- Properties are also covered by an Owner's Title Policy and Property Insurance Policy
- Hard money loan terms average 12 months — limiting time sensitivity to price fluctuations
- Average LTV of 65% provides a substantial equity cushion below your invested capital
- All borrowers vetted through comprehensive background checks prior to loan origination
Recently Funded Projects
Examples of recent projects funded and the returns delivered to our investors.
Vacation Rental Home
Fix / Flip / Rehab
Cash Out Refinance
Cash Out Refinance
What Our Investors Say
"I was looking for an alternative to the stock market, and working with Tracy and Prime Pinnacle exceeded my expectations. I earned a steady 10% return, paid out right on time every month. The security of real estate backing the loan plus the 9–10% returns made me a believer."
"They treat you like a partner, not just a number. I've been investing with them for over three years now, and my money has grown steadily without a single late payment. The combination of high returns, security, and personal service makes this one of the best financial decisions I've ever made."
"My wife and I have been investing with Tracy and Prime Pinnacle for over 25 years. We've purchased multiple investment properties and invested in secured mortgage notes. They are true professionals who provide consistent guidance and clear communication throughout every deal."
"I have had the pleasure of knowing Tracy for over 20 years and have invested with him in various real estate projects and notes. Tracy and his team have consistently demonstrated the highest level of professionalism, integrity, and ethical standards. Someone you can trust and work with successfully."
"Tracy and Prime Pinnacle have been truly amazing — a blessing in helping secure our family's financial future through safe and profitable investments. Their professionalism, expertise, and integrity are unmatched. I highly recommend them to anyone looking to invest with confidence."
"The communication was outstanding, and the returns speak for themselves. I've already reinvested twice. That kind of track record is hard to beat. Every month, I received exactly what was promised. No surprises, no excuses. Just strong double-digit returns. This is now a permanent part of my portfolio."
The Team Behind Your Investment
Your capital is managed by an experienced team with decades of combined expertise in private lending, real estate analysis, and financial strategy.
Retired U.S. Army Captain. Bronze Star Medal recipient. UCF B.S.B.A. Finance. 25+ years managing 10,000+ notes and mortgages across rehabs, flips, new builds, and luxury projects.
30+ years management experience. Nearly two decades in financial services at leading national institutions. Structured secured and commercial loans and advised executives on complex transactions.
15+ years in real estate. Expertise spanning wholesaling, rehabbing, flipping, long-term rentals, and new construction. Specializes in financial modeling, market analysis, and investment evaluation.
B.S. Industrial Management, University of Akron. Extensive background in negotiation, sales, coaching, and executive leadership. Drives strategic partnerships and market expansion at Prime Pinnacle.
Why Prime Pinnacle
Disclaimer: This is not a solicitation or offer of securities. Investment in Prime Pinnacle, LLC is available to non-qualified and qualified investors through written Investment Agreements. Past performance is not indicative of future results. All investments carry risk. Please consult with your financial and legal advisors before making any investment decisions.
Ready to Put Your Capital to Work?
Connect with our team today to explore available investment opportunities.