High-Yield Alternatives

Central to California's
Private Lending Boom

High-Yield Alternatives

Central to California's
Private Lending Boom

$110m+

Paid Out
to Our Investors 1

$110m+

Paid Out
to Our Investors 1

$110m+

Paid Out
to Our Investors 1

Plug into private credit, secured by a broad array of properties across the Golden State.

A Mortgage Investment Platform
With Premier Assets

Private lending is powering California’s dynamic property market—
and Central gives investors a direct way in.

Unlike traditional REITs or hard-to-access institutional funds, Central’s Fund is designed to be simple,
transparent, and income-focused—delivering monthly distributions with low correlation to public markets.

  • Institutional quality.

    Strong Performance.

  • Monthly returns.

    Built for Scale.

  • Institutional quality.

    Strong Performance.

  • Monthly returns.

    Built for Scale.

  • Institutional quality.

    Strong Performance.

  • Monthly returns.

    Built for Scale.

Our Approach:

Direct Lending
Optimizing Real Property

We put capital to work through carefully underwritten, short-duration loans
targeting borrowers underserved by traditional banks but backed by strong fundamentals.

Senior Secured, Low LTVs
We lend through first-position liens with conservative loan-to-value ratios (avg. 65%)

Operator Aligned, Full Cycle Control
We partner with real estate professionals and maintain direct control from origination to servicing— ensuring disciplined execution at every stage.

California Palm Tree
100% California Properties

+ Monthly Disbursements
California Subdivision, Aerial View
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
100% California Properties

+ Monthly Disbursements
100% California Properties

+ Monthly Disbursements
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
100% California Properties

+ Monthly Disbursements
100% California Properties

+ Monthly Disbursements
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window
Two people at a wooden desk with a laptop and coffee, chatting and laughing by a large window

Our Vertically-Integrated
Central Ecosystem

Our Vertically-Integrated
Central Ecosystem

Our Vertically-Integrated
Central Ecosystem

Central isn’t just a fund manager, through our partner network we control the full credit lifecycle
— from origination to servicing, foreclosure resolution, and asset management.

Portfolio Co

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Proprietary Originator & Loan Servicer

Portfolio Co

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Real Estate Trustee & Foreclosure Admin

Management Partner

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Fund Administration Accounting & Treasury

Service Partner

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Legal

  • Portfolio Co

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    Proprietary Originator & Loan Servicer

  • Portfolio Co

    Logo

    Real Estate Trustee & Foreclosure Admin

  • Management Partner

    Logo

    Fund Administration Accounting & Treasury

  • Service Partner

    Logo

    Legal

  • Finance

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    Corporate Accounting

  • Portfolio Co

    Logo

    Proprietary Originator & Loan Servicer

  • Portfolio Co

    Logo

    Real Estate Trustee & Foreclosure Admin

  • Management Partner

    Logo

    Fund Administration Accounting & Treasury

  • Service Partner

    Logo

    Legal

  • Finance

    Logo

    Corporate Accounting

Invest with Purpose
Backed by Property

Individuals • Advisors • Family Offices • Institutions

Central Investor Dashboard
Central Investor Dashboard
Central Investor Dashboard

Whether you're seeking reliable income, diversification, or California market access — the Central Mortgage Income Fund offers a clear, institutional path forward.

Frequently asked questions

What is the Central Mortgage Income Fund?

Central Mortgage Income Fund (CMIF) is a California-focused private credit fund that originates and acquires real estate-backed loans. Investors earn consistent, risk-adjusted returns from short-term, senior-secured loans.

What type of returns can I expect?

The Fund targets an 8%+ annual yield, paid monthly, with downside protection through conservative underwriting and pooled loan exposure.

Who can invest in Central?

CMIF is open exclusively to accredited investors — including high-net-worth individuals, family offices, and institutions.

How is my investment secured?

All loans are backed by California real estate, with target loan-to-value ratios of 65% (75% max), plus title and hazard insurance for additional protection.

What is the minimum investment?

The minimum commitment is $50,000, with flexibility for larger allocations.

Where are mortgages sourced from?

Mortgages for the Central Mortgage Income Fund are primarily originated and serviced by Equidy Inc., our affiliated lending platform with over a decade-long track record and over $110 million funded with zero investor principal lost. In addition to Equidy’s proprietary pipeline, Central also receives loan opportunities through a trusted network of California-based mortgage brokers and real estate professionals. This dual approach ensures: - A consistent flow of high-quality loans, - Access to diverse property types across the state, and - Strong underwriting standards aligned with investor protection. This vertically integrated ecosystem — from origination and underwriting to servicing and foreclosure management — gives Central unique control over loan performance and portfolio quality.

What is the Central Mortgage Income Fund?

Central Mortgage Income Fund (CMIF) is a California-focused private credit fund that originates and acquires real estate-backed loans. Investors earn consistent, risk-adjusted returns from short-term, senior-secured loans.

What type of returns can I expect?

The Fund targets an 8%+ annual yield, paid monthly, with downside protection through conservative underwriting and pooled loan exposure.

Who can invest in Central?

CMIF is open exclusively to accredited investors — including high-net-worth individuals, family offices, and institutions.

How is my investment secured?

All loans are backed by California real estate, with target loan-to-value ratios of 65% (75% max), plus title and hazard insurance for additional protection.

What is the minimum investment?

The minimum commitment is $50,000, with flexibility for larger allocations.

Where are mortgages sourced from?

Mortgages for the Central Mortgage Income Fund are primarily originated and serviced by Equidy Inc., our affiliated lending platform with over a decade-long track record and over $110 million funded with zero investor principal lost. In addition to Equidy’s proprietary pipeline, Central also receives loan opportunities through a trusted network of California-based mortgage brokers and real estate professionals. This dual approach ensures: - A consistent flow of high-quality loans, - Access to diverse property types across the state, and - Strong underwriting standards aligned with investor protection. This vertically integrated ecosystem — from origination and underwriting to servicing and foreclosure management — gives Central unique control over loan performance and portfolio quality.

What is the Central Mortgage Income Fund?

Central Mortgage Income Fund (CMIF) is a California-focused private credit fund that originates and acquires real estate-backed loans. Investors earn consistent, risk-adjusted returns from short-term, senior-secured loans.

What type of returns can I expect?

The Fund targets an 8%+ annual yield, paid monthly, with downside protection through conservative underwriting and pooled loan exposure.

Who can invest in Central?

CMIF is open exclusively to accredited investors — including high-net-worth individuals, family offices, and institutions.

How is my investment secured?

All loans are backed by California real estate, with target loan-to-value ratios of 65% (75% max), plus title and hazard insurance for additional protection.

What is the minimum investment?

The minimum commitment is $50,000, with flexibility for larger allocations.

Where are mortgages sourced from?

Mortgages for the Central Mortgage Income Fund are primarily originated and serviced by Equidy Inc., our affiliated lending platform with over a decade-long track record and over $110 million funded with zero investor principal lost. In addition to Equidy’s proprietary pipeline, Central also receives loan opportunities through a trusted network of California-based mortgage brokers and real estate professionals. This dual approach ensures: - A consistent flow of high-quality loans, - Access to diverse property types across the state, and - Strong underwriting standards aligned with investor protection. This vertically integrated ecosystem — from origination and underwriting to servicing and foreclosure management — gives Central unique control over loan performance and portfolio quality.

Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3
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© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3
Logo

© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3

Central

Central Mortgage Fund

Resources

Loans & Servicing

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© Centrality Inc

Central Mortgage Income Fund LLC (CMIF) :
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shownPast performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3
Logo

© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3
Logo

© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025