Private Credit · Workforce HousingDirect Distribution

Direct Origination. Institutional Distribution. Scalable Credit.

Delivering structured, small-balance mortgage assets directly to private credit buyers, family offices, and institutional partners.

Capital Recovery
30–45 Days
Units / Year
500
Retained Yield
9.5–10%
Asset
Performing Notes

Aligned with institutional buyers targeting consistent access to asset-backed yield.

Deal Configuration
Institutional Interface
Tiny Home Blueprint™
Origination & Credit Modeling Engine
Real-time structuring interface for pricing, yield, and capital recovery across residential credit assets.
Live Institutional Model
LIVE
Cost Basis$85,000
Retail Execution$129,000
Capital Recovered$85,000
Retained Yield
Second Lien$32,000
Monthly Cash Flow~$300
Yield~10%
IRR
~14%
DSCR
1.35x
LTV
65%
Investment Thesis

We Manufacture Yield Through Structured Credit, Not Real Estate Appreciation

First Lien Sold

Liquidity event recovers cost basis at par, freeing capital for redeployment.

Second Lien Retained

Recurring monthly cash flow at ~10% on a structurally subordinate position.

Capital Recycled

Continuous origination loop drives velocity rather than terminal exit.

Execution Snapshot

Operational Cadence

Distribution Timing
Time to Retail Sale14–30 days
Time to First Lien Sale7–21 days
Capital Recovery Target<45 days
Borrower Profile
Borrower Payment$1,042 / month
Down Payment Range$10K–$15K
Target BuyerWorkforce / Credit-Constrained
Note Structure

Senior Liquidity, Retained Yield

Senior Tranche
First Lien
  • ~$85K balance
  • 9.0% coupon
  • Sold at par
  • Capital recovery mechanism
Retained Position
Second Lien
  • ~$30K–$35K balance
  • 10% coupon
  • ~$300/month cash flow
  • Retained yield position

Senior positions structured to align with buyer yield targets in the ~8.5%–10% range.

Institutional Distribution

Aligned Origination, Direct Buyer Relationships

Rylex maintains direct relationships with private credit funds, family offices, and institutional buyers seeking consistent access to asset-backed yield.
Origination is aligned with buyer demand to ensure efficient execution, pricing clarity, and repeatable distribution.
Real Deal Snapshot

Single-Unit Outcome

Inputs
Cost$85,000
Sale$129,000
Down Payment$12,000
Investor Outcome
Capital Recovered$85,000
Annual Cash Flow~$3,700
10-Year Income~$37,000
Risk & Recovery

Modeled, Not Hypothetical

Modeled Default
8–12%
Resolution Timeline
6–12 months
Strategy
Re-perform / Re-originate
The asset is reset, not lost.
Capital Velocity

A Continuous Liquidity System

Deploy
Originate
Sell 1st Lien
Recycle Capital
Repeat

This is a continuous liquidity system, not a terminal exit model.

Forward Flow Strategy

Recurring Credit Supply for Long-Term Capital

Standardized Credit Profile

Consistent underwriting, structure, and documentation across each origination.

Consistent Origination Pipeline

Predictable monthly volume aligned to buyer absorption capacity.

Individual or Pooled Delivery

Flexible execution at the asset, tranche, or portfolio level.

Objective: align long-term capital with recurring credit supply.

Portfolio Scale

Institutional Projection

Units Annually
500
Annual Cash Flow
$1.5M – $2M
Units Annually
1,500
Annual Cash Flow
$4.5M – $6M
Units Annually
2,500
Annual Cash Flow
$7.5M – $10M
Capital Participation

Structures Available

Project-Level Debt
Portfolio Credit Facilities
Forward Flow Agreements
Structured Equity Partnerships
Current Status

Platform Stage

  • Initial unit pipeline in development
  • Actively aligning with note buyers for first lien distribution
  • Building servicing and origination infrastructure

Align with the Flow of Credit.

Open Credit Modeling Engine