At IRON88 Group, we are completely Risk Averse. We never want to take on any risk that can be mitigated out of the equation, and we never want to hand our money over to a third-party, with the "hope' that is is coming back in full. The only programs that we endorse are those that permit us to remain in full control of our capital.

The new "Mortgage Loan Program" delivers on all fronts, and it is truly revolutionary! This is designed for the Mortgage Lender who has recently discovered that the market is overheated, risk levels have risen dramatically, housing prices have soared, and interest rates are climbing fast. It is no secret that mortgage lenders are concerned that the rate of default is going to also climb with this movement, and the realities of losses and litigation is also going to begin to appear. This new program eliminates all of these concerns.

With the Mortgage Loan Program, the "Lender" (client) deposits his capital with a reputable Fiduciary by way of a two-party contract, who then must forward the funds to Morgan Stanley. The funds will remain in a specialized  "non-depletion" account at Morgan Stanley, which is designed to maintain the funds at their current level (no withdrawals, no encumbrances permitted), and they legally can only be returned to where they originated from. This gives the "Lender" complete peace of mind, and capital protection at all times.

In turn, this deposit acts as a "balance sheet enhancement" for our lending affiliate, whereby they can expand their own credit lines, and put their own funds into mortgages that do not fit their own standard program loan criteria (see our "Multiples" Loan program section). By virtue of this structure, the mortgage lender is able to benefit from being a "passive" mortgage lender, as opposed to their typical position "as active" lender, where they hand their funds over to a mortgagor, and assume all the risk on their capital. In this iteration, they never place their capital at risk, and yet they enjoy a far superior rate of return on their funds with a 1% per month distribution.

Why would you do it any other way?