HRU MIC
Investment Fund Series B-1
Product Details
HRU MIC Investment Fund Series B-1 provides mortgage borrowing solutions to Canadian Citizens, New Immigrants, and Non-Immigrants. Through property security on first or second mortgages, the fund focuses on the purchase, refinance, bridge, and renovation. This solution utilized high diversification to create a consistent and timely return. Base on HRU Financials’ strict and precise underwriting guidelines, we adapt to a decentralized risk model and mortgage combination to maximize our performance and minimize our risk. Our loan to value on the portfolio is a maximum of 80% only. With mortgage terms typically less than a year, we can adjust our lending and portfolio actively to avoid potential future risks.
Secured Assets
HRU MIC Investment Fund Series B-1 is designed to diversely invest in quality real estate property located in the greater ontario area. Historical Portofio Detail Below:
Loan To Value
Loan to Value is the ratio between mortgages and property market value, the best-managed loan to value can significantly lower risk for our investors and secure asset value against investment. HRU MIC Investment Fund B-1 concentrates its loan-to-value at approximately 80%, for example, if the borrower has a property appraised at $1 million, the maximum summation of all mortgages is around $800,000. It effectively decreases the mortgage default risk.
Property Distribution
Our Invested Properties are across Ontario, this risk management method of geographical diversification lowers our risk of market fluctuation drastically. Historical Data are below: