Reliable Monthly Distributions, Secured by Private Real Estate Loans
Institutional-Grade Returns Without the Institutional Barriers
Monthly Distributions & DRIP Option
Interest from loans is distributed to investors on a monthly basis, predictable cash flow you can spend, or elect to reinvest monthly distributions through our DRIP program to benefit from compounding growth.
10%+ Annual Returns
While savings accounts erode purchasing power and equities ride volatility, the fund targets steady 10%+ annual returns through disciplined real estate lending.
First-Lien Security
Every loan in the fund is secured by a first-lien position on residential real estate, tangible collateral backing your investment.
12-Month Commitment
A significantly shorter commitment period compared to the 3-5 year lockups typical of other accredited investment alternatives.
$100K Minimum Entry
A low entry point to access institutional-quality real estate returns, designed for scaling or diversifying your portfolio.
Retirement-Account Friendly
The fund is compatible with Self-Directed IRAs and Solo 401(k)s. Our team can coordinate directly with your custodian to facilitate the investment.
How Does This Compare?
| Investment Vehicle | Return (Since 2021) | Takeaway |
|---|---|---|
| CDs and Interest-Bearing Savings Accounts | ~.06-4% avg | Very low risk. Modest returns. |
| Government Bonds | ~4.1% avg | Stable and predictable. Lower long-term growth. |
| S&P 500 | ~9-11% avg | Strong long-term performance. High volatility. |
| Monument City Capital | 10-11% | High returns. Low risk first-lien, real estate secured loans. |
All investments carry risk, including possible loss of principal. Past performance is not a guarantee of future results. This information is provided for reference only. Please review the Private Placement Memorandum for full terms and disclosures.
Six Layers of Protection for Your Capital
We take a disciplined, conservative approach to protecting investor capital at every stage of the lending process.
First-Lien Position on All Loans
The fund’s investment sits in the safest repayment position.
Conservative Maximum 70% LTV (Based on ARV)
A minimum 30% equity buffer protects your principal and expected returns.
Licensed Title Companies
All transactions are closed through licensed title companies. Every deal is vetted and recorded by regulated third parties.
Title & Property Insurance
Title and property insurance is secured and paid in full prior to funding. Insurance protects collateral from day one.
In-House Underwriting Expertise
We validate all After Repair Value (ARV) valuations and renovation budgets in-house to prevent inflated projections and protect the fund.
Escrowed Renovation Funds
Escrowed renovation funds are released only upon verified completion of work, preventing misuse of capital.
How Your Capital Is Put to Work
Monument City Capital raises investor capital and deploys it into short-term loans to residential real estate investors. These borrowers use the capital to acquire, renovate, and then either resell or refinance residential properties across Maryland and Pennsylvania.
Why Borrowers Pay Double-Digit Interest
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Speed: Traditional banks take 30-60 days. MCC funds deals in as little as 24 hours, giving borrowers a competitive edge on time-sensitive acquisitions.
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Flexible Underwriting: MCC is an asset-based lender, evaluating both the property and the borrower to unlock opportunities traditional institutions often overlook.
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Renovation Financing: Banks rarely lend on distressed properties. MCC provides the capital needed to transform underperforming real estate into stabilized assets.
Hear Directly From the Founder
Watch Principal and Founder, Shaun Magner, walk through how the fund works, where the returns come from, and what makes Monument City Capital different.
Shaun has spent over a decade operating residential real estate businesses, buying, renovating, and lending on properties across Maryland and Pennsylvania. The Monument City Capital Income Fund was created to give accredited investors direct access to the same asset-backed lending strategy that has generated consistent returns for years.
“There are a lot of places you can invest, but what stood out to me with Shaun is that he’s not just a lender, he’s an experienced operator. He’s not looking at deals from a theoretical standpoint; he’s actually done them himself. That gives me real confidence in how deals are evaluated and risk is managed, and it’s why I’ve invested with him for years.”
Our lending is grounded in real operator experience. We’ve done these deals, borrowed hard money, and built and operated portfolios just like the ones we finance today. Every loan we originate is one we’d put our own money behind — and we do.
Do You Qualify as an Accredited Investor?
Three Steps to Begin
Request the Investor Overview
Get the full details on fund structure, terms, strategy, and the team behind the fund.
Review & Ask Questions
Schedule a 30-minute call with Shaun. He’ll walk you through everything and answer your questions directly.
Deploy Your Capital
Complete your investment documents, fund your account, and begin earning monthly distributions backed by real estate.
Ready to Learn More?
This communication is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Securities are offered only to accredited investors pursuant to formal offering documents, including a Private Placement Memorandum (PPM), under SEC Regulation D, Rule 506(c). Any investment decision should be made solely based on the information contained in the PPM and related subscription documents.
Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal. There can be no assurance that the fund will achieve its investment objectives or that investors will receive a return on their capital. Projected returns are estimates only and are not guaranteed.
Monument City Capital does not provide tax, legal, or financial advice. Prospective investors are encouraged to consult with their own tax, legal, and financial advisors before making an investment decision. The information presented herein is believed to be accurate but is not guaranteed.
By requesting the Investor Overview or any related materials, you acknowledge that you understand the speculative nature of this investment and that you meet the qualifications of an accredited investor as defined by the U.S. Securities and Exchange Commission.
Monument City Capital
Copyright 2026