The American Dream once promised people that hard work would lead to a home of your own. For decades, this dream was supported by the 30-year fixed-rate mortgage, long considered the gold standard of American lending institutions. Today, that dream is unjustifiably out of reach for over 70 million people in this country due to outdated underwriting rigidity.
Lending institutions have been refining their process and margins to efficiently and solely service those who fit the mold…
- W2 income
- Prime credit
- Long employment history.
But what about the Uber driver with $70K in income? The single mom running a home-based business? The contractor who’s never missed a rent payment?
Today, more than 20% of U.S. workers earn income through self-employment, side hustles, or 1099 gigs. They are finding that no matter how creditworthy or responsible they are—now matter how diligently they pay rent, or how much they save—they’re unable to buy a home. Not because they aren’t qualified. But because the system is no longer built to serve the average American.
These are real people. And they deserve more than rejection letters.
Luckily, there is an inherent opportunity for investors in the changing of the guard between outdated institutions and ground breaking organizations, and the tightening of conventional mortgage standards has excluded many potential homebuyers from the traditional mortgage market, creating a niche for non-traditional financing methods, like owner financing.
The Lucky Group has responded to this massive, woefully underserved cross-section of creditworthy borrowers by creating an innovative lending ecosystem which leverages these notes to provide access to homeownership for these individuals, while offering attractive returns for investors.
Through The Lucky Group, we structure each investment around real estate-backed notes with:
- 10% Annual Preferred Returns (Distributed Quarterly)
- 12%+ target IRR
- Collateralized by homes with built-in borrower demand
In short: we deliver predictable, risk-adjusted returns while helping real families achieve what banks said they never could.
Homeownership isn’t just about equity—it’s about identity, legacy, and belonging. When we lock people out, we’re not just hurting individuals—we’re weakening entire communities.
It’s time for a new system. One built on access, alignment, and impact.
