Legal

Risk Disclosures
& Disclaimers

Last updated: 2025. Please read carefully before submitting any inquiry or considering any investment.

1. No Offer to Sell; No Investment Solicitation

The information provided on this website, including all text, graphics, and other materials, is for general informational and educational purposes only. Nothing on this website constitutes or should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, investment, or financial product. No information on this website should be relied upon as the basis for making any investment decision. Any transaction or investment arrangement would be made only pursuant to definitive legal agreements and after the completion of appropriate due diligence.

2. General Investment Risk

Investing involves substantial risk. All investments carry the potential for loss, including the loss of some or all of your principal investment. There is no guarantee that any investment strategy, including the private lending structure described on this website, will achieve its objectives or generate positive returns. You should not invest funds that you cannot afford to lose.

3. Risks Specific to Private Mortgage Lending

The lending arrangements described on this website involve risks specific to private mortgage lending, including but not limited to:

  • Borrower Default Risk. Borrowers may fail to make required interest payments or to repay principal. In the event of default, recovery of your investment may require legal action, foreclosure proceedings, and sale of the underlying property, all of which take time and involve additional costs and uncertainty.
  • Real Estate Value Risk. The value of real property can decline due to local or national economic conditions, changes in the real estate market, natural disasters, changes in neighborhood conditions, or other factors. A decline in property value may reduce or eliminate the collateral protecting your investment.
  • Rental Income Risk. Rental income is not guaranteed. Tenants may default on rent obligations, properties may become vacant, and rental rates may decline. A reduction in rental income could impair the borrower's ability to service the loan.
  • Illiquidity Risk. While the lending structure includes a provision allowing for return of principal upon 90 days' written notice, this is subject to the borrower's ability to repay. Private mortgage loans are not publicly traded securities and are generally illiquid. There is no secondary market for these arrangements.
  • First-Position Lien Limitations. While a first-position mortgage lien provides priority over other creditors, it does not guarantee recovery of your investment. Costs of foreclosure, legal fees, property deterioration, and market conditions may reduce or eliminate recovery.
  • Interest Rate Risk. While the interest rate on each loan is fixed at origination, changes in market interest rates may affect the relative attractiveness of your investment compared to other available opportunities.
  • Concentration Risk. Investment in a single property or a small number of properties in a single geographic area (Baltimore-Washington DC metro) concentrates risk. Local economic downturns, regional disasters, or shifts in the regional real estate market may have an outsized impact.
  • Legal and Regulatory Risk. Changes in federal, state, or local laws and regulations affecting real estate, lending, or financial arrangements may adversely affect the value or enforceability of the lending arrangement.
  • Inflation Risk. Inflation may erode the purchasing power of fixed interest payments and principal repayment over the life of the loan.

4. No Guarantee of Returns

The interest rate described on this website — double the 5-year U.S. Treasury coupon rate at the time of loan origination — represents a contractual term of any individual loan agreement. It is not a guarantee of return. Payment of interest and repayment of principal is dependent on the financial condition and performance of the borrower, the performance of the underlying real estate, and other factors outside of your control or ours.

5. Not Insured or Guaranteed

The lending arrangements described on this website are not bank deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), or any other governmental agency or private insurance program. They are not guaranteed by any bank, financial institution, or government entity. Your investment is subject to market and other risks and is not protected by any deposit insurance scheme.

6. No Professional Advice

Nothing on this website constitutes legal, tax, financial, or investment advice. You should consult with qualified, independent legal counsel, tax advisors, and financial advisors before making any investment decision. Your personal financial situation, tax circumstances, and risk tolerance will affect what investments, if any, are appropriate for you.

7. Forward-Looking Statements

Certain information on this website may contain forward-looking statements, including statements about expected returns, market conditions, property performance, and the structure of lending arrangements. These statements involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially from those described. Forward-looking statements are not guarantees of future performance and should not be relied upon as such.

8. Past Performance

Any reference to past performance, including the performance of prior loans, prior properties, or prior investment arrangements, is not indicative of future results. Past performance does not guarantee that similar results will be achieved in the future.

9. Regulatory Matters

The lending arrangements described on this website may be subject to federal and state securities laws, lending laws, and other regulations. Nothing on this website should be construed as a representation that any arrangement described herein is exempt from registration or other regulatory requirements. Prospective participants are responsible for understanding and complying with all applicable laws and regulations. This website is not registered with, and the arrangements described herein have not been approved or reviewed by, the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Federal Trade Commission (FTC), or any state securities regulatory authority.

10. FTC Disclosure

In accordance with guidelines published by the Federal Trade Commission (FTC), we disclose that this website is operated by or on behalf of DoubleMyInterest.com and is designed to inform potential investors about the lending program described herein. No compensation has been paid for any testimonials that may appear on this website. Any testimonials reflect the individual experience of the person providing them and are not representative of the experience of all participants.

11. Privacy and Contact Information

Any personal information, including your name and email address, that you submit through this website will be used solely for the purpose of responding to your inquiry. Your contact information will not be sold, rented, or shared with any third party under any circumstances. Please see our Privacy Policy for full details.

12. No Warranty

The information on this website is provided "as is" without any warranty of any kind, express or implied, including warranties of accuracy, completeness, merchantability, or fitness for a particular purpose. DoubleMyInterest.com makes no representation that the information on this website is current, complete, or accurate. Information is subject to change without notice.

13. Limitation of Liability

To the fullest extent permitted by applicable law, DoubleMyInterest.com, its principals, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or reliance on, the information on this website, or from any investment or other decision made in connection with the information on this website.

14. Consult a Professional

The private lending arrangements described on this website are complex financial transactions. You are strongly encouraged to consult with a licensed attorney, a Certified Financial Planner (CFP), a Certified Public Accountant (CPA), and other qualified professionals before entering into any lending arrangement of the type described herein. Do not rely solely on the information provided on this website to make any investment decision.