Capital in motion.

Capital in motion.

Money sitting still does nothing. Central helps accredited investors put their capital to work across the Golden State.

Built for high net-worth individuals, family offices, financial advisors & income-focused investors seeking reliable passive income.

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California runs on capital

From LA to Laguna Beach, SF to Sacramento, property projects never stop.

Renovations. Housing developments. Business expansion. Demand for financing is still growing. Traditional lenders are slow, restrictive, and disconnected from the projects they fund.

Private financing in California has grown to $16.6 billion annually, expanding 25–31% per year. Borrowers are building. Investors are profiting.

Central targets a consistent ~8% annual yield, distributed monthly to its investors. Our confidence comes from knowledge based on a love of California, not just its numbers. This state was built on prospects. Those prospects are alive and well.

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California runs on capital

From LA to Laguna Beach, SF to Sacramento, property projects never stop.

Renovations. Housing developments. Business expansion. Demand for financing is still growing. Traditional lenders are slow, restrictive, and disconnected from the projects they fund.

Private financing in California has grown to $16.6 billion annually, expanding 25–31% per year. Borrowers are building. Investors are profiting.

Central targets an ~8% annual yield, distributed monthly to its accredited, high net-worth investors, with the option to re-invest for maximum compounding. Built on a love of California, not just its numbers.

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Explore the Fund

Investor Capital
Borrowers
Properties
Communities
Returns

Every investment creates a ripple

When you invest capital with Central, it funds projects managed by us, from underwriting to returns. 

California is our home. We’ve spent decades building an ecosystem of experienced borrowers we know and trust. 
Your investment creates jobs, builds homes, and strengthens communities. 

Returns are consistent, and they’re sweeter because they’re the result of progress, not exploitation. 

People. Projects. Profits.
It’s the California way, and it’s our way.

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Explore the Fund

Every investment creates a ripple

When you invest capital with Central, it funds projects managed by us, from underwriting to returns. 

California is our home. We’ve spent decades building an ecosystem of experienced borrowers we know and trust. 
Your investment creates jobs, builds homes, and strengthens communities. 

Returns are consistent, and they’re sweeter because they’re the result of progress, not exploitation. 

People. Projects. Profits.
It’s the California way, and it’s our way.

Explore the Fund

Every investment creates a ripple

When you invest capital with Central, it funds projects managed by us, from underwriting to returns. 

California is our home. We’ve spent decades building an ecosystem of experienced borrowers we know and trust. 
Your investment creates jobs, builds homes, and strengthens communities. 

Returns are consistent, and they’re sweeter because they’re the result of progress, not exploitation. 

People. Projects. Profits.
It’s the California way, and it’s our way.

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Why Central

Why investors choose Central

High Net Worth Investors |  Family Offices

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Real assets

Every loan is secured by California real estate. Your capital is backed by something you can see.

Monthly income

Designed to generate monthly distributions from lending activity, not speculation.

No leverage

Returns are generated from loans, not borrowed money. No structural leverage means no unnecessary risk.

No landlord headaches

No tenants. No maintenance calls. No construction timelines. Invest in real estate without any of the operational burden.

Professional management

Our team handles everything: sourcing opportunities, underwriting borrowers, managing loans, and protecting capital.

Close to the assets

We stay close to the borrowers, properties, and markets that drive outcomes, because it’s what our investors deserve.

Real Assets

Every loan is secured by California real estate. Your capital is backed by something you can see.

Professional Management

Our team handles everything: sourcing opportunities, underwriting borrowers, managing loans, and protecting capital.

No Landlord Headaches

No tenants. No maintenance calls. No construction timelines. Invest in real estate without any of the operational burden.

No Leverage

Returns are generated from loans, not borrowed money. No structural leverage means no unnecessary risk.

Monthly income

Designed to generate monthly distributions from lending activity, not speculation.

Close to the Assets

We stay close to the borrowers, properties, and markets that drive outcomes, because it’s what our investors deserve.

Real Assets

Every loan is secured by California real estate. Your capital is backed by something you can see.

No Leverage

Returns are generated from loans, not borrowed money. No structural leverage means no unnecessary risk.

Professional Management

Our team handles everything: sourcing opportunities, underwriting borrowers, managing loans, and protecting capital.

Monthly income

Designed to generate monthly distributions from lending activity, not speculation.

No Landlord Headaches

No tenants. No maintenance calls. No construction timelines. Invest in real estate without any of the operational burden.

Close to the Assets

We stay close to the borrowers, properties, and markets that drive outcomes, because it’s what our investors deserve.

Featured Investment

Central Mortgage Income Fund

A professionally managed mortgage fund providing accredited investors access to a diversified portfolio of California real estate loans.

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Explore the Fund

The Fund is designed for accredited investors:

High net-worth individuals seeking diversity

Family offices looking to add more tangible assets

Retirees seeking monthly passive income

Financial advisors seeking alternative income solutions

~8%

Target yield*

Monthly

Distributions

$100K

Minimum investment

None

Structural leverage

100%

California focused

Compounding

Compounding

Auto-reinvest option

Accredited investors only · California real estate loans

Accredited investors only · California real estate loans

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Explore the Fund

Get the investor offering

Get the fund overview

Explore the strategy, structure, and philosophy behind the Central Mortgage Income Fund. Designed for accredited investors evaluating the Fund and conducting due diligence.

What’s inside:

✓ Investment Strategy
✓ Fund Terms & Structure
✓ Frequently Asked Questions
✓ Investor Presentation

Insights

Thoughts on investing, real estate lending, capital preservation, and California’s built environment.

Why no leverage matters
Why no leverage matters

Many income funds borrow against investor capital to increase returns. We don’t. Here’s why we believe a fortress balance sheet creates a more durable investment strategy.

Investing in real estate without becoming a landlord
Investing in real estate without becoming a landlord

Real estate exposure doesn’t have to mean managing tenants, construction projects, or operational headaches. Here’s how lending provides a different path.

The capital gap between banks and borrowers
The capital gap between banks and borrowers

As traditional lenders pull back, private capital plays an increasingly important role in helping projects move forward.

View all Insights

Put your capital to work

Put Your Capital to Work

Explore how accredited investors participate in California real estate lending through the Central Mortgage Income Fund.

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Explore the Fund

Schedule a Walkthrough

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Terms of Service

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Equidy

+1 925 430 5900

517 Sycamore Valley Rd, Danville, CA 94526 USA

© Centrality Inc

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


All rights reserved. Information on this site is proprietary and may not 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.

Home

About

Insights

The Fund

Schedule a Call

Contact

Terms of Service

Privacy Policy

Equidy

+1 925 430 5900

517 Sycamore Valley Rd, Danville, CA 94526 USA

© Centrality Inc

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


All rights reserved. Information on this site is proprietary and may not 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.

Home

About

Insights

The Fund

Schedule a Call

Contact

Terms of Service

Privacy Policy

Equidy

+1 925 430 5900

517 Sycamore Valley Rd, Danville, CA 94526 USA

© Centrality Inc

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


All rights reserved. Information on this site is proprietary and may not 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.