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