Monolith Capital Advisors.
Webinar 24.06.2025
9.0 % Fixed‑Income Bond Secured by U.S. Real Estate
We invite you to learn more about Monolith Capital Advisors’ fixed income bond offering secured by US residential real estate.
When Opportunity Meets Hard Work and Preparation
For the past two decades, short term Residential Transition Loans (RTLs) – financing for “fix and flip” projects – have reliably accounted for 5–10% of all U.S. home sales (~8% or $10bn in 2023).
A structural shortage of roughly four million homes, mortgage rates near 7%, and a median new-build cost of approximately $428k keep demand for RTL capital firmly in place – yet these loans sit largely outside the traditional banking model.
Because around 70% of RTL volume comes from experienced, repeat investors, flexible non-bank lenders can build durable, cycle-resilient market share by offering short-duration credit that can be repriced quickly as conditions change.
Monolith’s success is rooted in the team’s longstanding presence and reputation in the industry. Their partners draw on real-estate mortgage and private credit experience gained at DLJ, Credit Suisse, JP Morgan, Goldman Sachs, and other leading firms. Karey Geddes, president of the strategy, contributes nearly 30 years of sector expertise. The result is a relationship-driven platform designed to navigate a fragmented market and protect investor capital.
Monolith Capital Advisors.
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Key Facts
Investor Benefits
Downside Risk Mitigation
Investor Benefits:
About Residential Transition Loans (RTLs):
Residential Transition Loans (RTLs) or “Fix and Flip” loans, are short term loans used by sophisticated and experienced real estate investors and operators to purchase and renovate residential properties in the United States.
These investments have exceedingly low delinquencies and near 0% default rates. RTLs offer significant downside risk mitigation through first lien positions, conservative loan to value ratios, property due diligence, and the active monitoring of project progress through the term of the loan.
Monolith Capital Advisors offers institutional investors the opportunity to receive current interest income distribution on a quarterly basis generated by the origination and purchase of these short-term bridge loans through our secured fixed income bond.
