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Diversification
Based on investing over 5 quarters to achieve optimal diversification, an investor owning 10% of each of ICA’s loans would have achieved the following diversification:
Loan Size | $500,000 to $5,000,000 (depending on pool size): |
Property Type | PERMITTED: Multifamily, Retail, Office, Industrial, Self-Storage. |
PROHIBITED: Hospitals, Assisted Living Facilities, Nursing Homes, Hotels, Casinos, Golf Courses, Schools, Unimproved Land, Movie Theaters, Parking Garages. | |
Location | Loans may be originated in any of the 50 states plus the District of Columbia |
Terms | 5-15 Years |
Amortization | Maximum 25 years |
Debt Service Coverage | Min 1.25x (Target 1.50x) Office, Industrial, Retail, 1.20x (Target 1.50x) Multi-family (based on 25-year amortization).
Note: Long Term Credit Tenants may justify a lower debt service coverage |
Prepayment | Yield Maintenance or 1% whichever is greater |


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