At The Lucky Group, we believe strong returns don’t have to come with high risk—or complexity. Through The Lucky Fund, our investors earn 10% preferred returns, with a 12%+ target IRR, backed by real estate and powered by a streamlined, vertically integrated model.
Here’s how we consistently deliver those numbers—while making a real difference along the way.
Step 1: Sourcing Pre-Vetted Buyers
We begin where most lenders stop: with the borrower. Our affiliate, Coody & Co., sources self-employed, credit-conscious buyers who’ve been turned down by banks but show reliable income, savings, and payment behavior. These borrowers want to own a home—and are ready for the responsibility.
Step 2: Acquiring the Property
Once the buyer is pre-approved, we help them identify a property that fits both their needs and our underwriting criteria. This “buyer-first” model eliminates speculative purchases and minimizes carrying costs.
Step 3: Structuring the Note
We originate an owner-financed mortgage with:
- Fair, fixed interest rates
- Monthly principal + interest payments
- Down payments of 10–20%
- Full state/federal compliance and servicing
Each note is secured by a physical home.
Step 4: Investor Capital Deployment
Investor capital from The Lucky Fund is used to fund note origination and acquisition. These notes produce monthly income streams that are pooled and distributed to investors quarterly.
Step 5: Liquidity & Exit
We retain or sell notes on the secondary market, optimizing returns and creating pathways for liquidity. Because we own the process end-to-end, we can react quickly to pricing, demand, or fund-specific strategies.
Bottom Line?
You get real estate–backed, asset-level returns—without buying or managing a single property.
Interested in learning more?
–Request the full investor packet
–Schedule a 1:1 with our investor team
