The Structure
A straightforward, transparent lending structure designed to protect your capital and deliver consistent income.
The Core Concept
Rather than depositing your savings at a bank that then lends it out at a profit, DoubleMyInterest allows you to step into the lender's role directly. You provide the loan capital. You hold the first-position mortgage lien on the property. You receive the interest payments. The structure is designed so that your interests — as the lender — are protected at every stage.
Step by Step
You decide how much you wish to lend. The loan is structured as a private mortgage note, with a term of up to five years. You and the borrower agree on the interest rate at origination — always set at double the prevailing 5-year U.S. Treasury coupon rate.
Your loan is secured by a first-position mortgage lien on a residential income property located in the Baltimore-Washington DC metro area. This means that in the event of a default, as the first-position lienholder, you have first legal claim on the property before any other creditor.
Before any loan is originated, the subject property must demonstrate verifiable rental income of at least 1.2 times the monthly loan payment. This built-in coverage ratio creates a buffer that helps ensure the borrower can consistently service the debt.
Beginning in the first month after loan origination, you receive interest-only payments on a monthly basis for the life of the loan. Payments are structured to be consistent and predictable, providing reliable income throughout the term.
At any time during the loan term, you may request the return of your principal by providing 90 days' written notice. There is no prepayment penalty — the loan may also be repaid to you in full at any time. At the end of the loan term, you may choose to extend the arrangement or reinvest in a new loan.
The Rate
The interest rate on every loan is set at 2× the 5-year U.S. Treasury coupon rate at the time the loan is made. The Treasury rate is publicly available and independently verifiable — creating a transparent, objective benchmark with no ambiguity.
For example, if the 5-year Treasury coupon rate is 4.5% at the time of origination, your loan would carry an interest rate of 9.0% per annum, paid monthly on an interest-only basis.
Note: This example is illustrative only. Actual rates vary based on current market conditions.
Rate is fixed at origination for the life of the loan.
Your Protections
As the first-position mortgagee, you have priority over all other creditors in a default scenario. Before any subordinate lender, equity partner, or unsecured creditor can recover anything, your claim is addressed first.
Properties are required to generate rental income of at least 1.2× the loan payment, providing an income buffer that reduces the likelihood of payment default.
Your loan is not backed by a spreadsheet or a promise — it is backed by real property with established market value in a major metropolitan area.
A 90-day notice window for principal return gives you meaningful liquidity options uncommon in private lending arrangements, without sacrificing yield.