High-Yield Alternatives
Central to California's
Private Lending Boom
Introducing:
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.
8.0%+
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.
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.
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.
Invest with Purpose
Backed by Property
Individuals • Advisors • Family Offices • Institutions
Whether you're seeking reliable income, diversification, or California market access — the Central Mortgage Income Fund offers a clear, institutional path forward.
Stay up to date on California’s real estate lending market and income investing strategies.
From market outlooks to fund updates, we keep our investors informed and ahead of the curve.
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.