PRIVATE CREDIT & ASSET-BACKED INCOME
Earn 8–10% Consistent Income Without Stock Market Volatility
A private asset-backed fund designed for accredited investors seeking predictable monthly distributions secured by real estate collateral.
11 Years • Asset-Backed • Zero Missed Payments
$8.32M
Total Capital Managed
11+
Years Track Record
8.54%
2025 Net Return
8
Investment Vehicles
Income Defense Strategy
We Act Like a Bank.
Not a Casino.
The traditional 60/40 portfolio is under siege. With bond yields struggling to keep pace with inflation and public equities delivering unpredictable returns driven by algorithmic trading and headline noise, retirees and high-net worth investors face an uncomfortable reality: the conventional approach to generating income is broken.
Prospera Advisory Group offers a different path. By operating as a private lender rather than a market speculator, we generate consistent cash flow backed by tangible real estate assets—the same fundamental model that has made banks profitable for centuries. Over 11 years and more than $2.1 million in distributions, no investor has ever lost a dollar of principal.
Our private credit strategy generates income the same way banks have for centuries — by lending money against hard assets and collecting interest. No stock picking. No market timing. Just disciplined, asset-backed lending with conservative underwriting.
Comparison
Public Markets vs Private Credit
S&P 500 Volatility ±22%
VS
Private Credit Stable Income
Bond Yield ~4%
VS
Private Credit ~8%+
Income Predictability Variable
VS
Contractual Payments
Our Four Pillars
Principal Protection
Every dollar secured by real estate collateral at conservative loan-to-value ratios (65–70% max LTV).
Consistent Yield
Monthly distributions from contractual interest payments— not market speculation or price appreciation.
Real Assets
Backed by physical property you can see and touch—not algorithms, derivatives, or promises.
Proven Discipline
Conservative underwriting standards refined over 11 years of continuous operation across market cycles.
Public Markets vs. Private Credit
METRIC
PUBLIC MARKETS
PROSPERA (PMIF)
Annualized Volatility
±22%
Stable
Income Yield
~4.2% (10yr Treasury)
8.54% (2025)
Income Frequency
Variable
Monthly
Secured By
Market Sentiment
Real Estate
Correlation to S&P
100%
Near Zero
VERIFIED PERFORMANCE
Eleven Years of Consistent Returns
Prospera Mortgage Investment Fund (PMIF)
Has delivered positive returns every year since inception in 2014, distributing over $2.1 million to investors. Returns are calculated by Verivest, LLC, an independent third-party fund administrator, ensuring full transparency and accountability.
7.84%
SINCE-INCEPTION ANNUALIZED
8.54%
2025 FULL-YEAR RETURN
$3.2M
CURRENT AUM
$2.1M+
CURRENT AUM
A NOTE ON TRANSPARENCY
How We Handled COVID-19
In Q1 2020, as the pandemic created unprecedented uncertainty across every asset class, we made the deliberate decision to defer one quarterly distribution to preserve fund liquidity and protect investor principal. By Q2 2020, once we confirmed the stability of our underlying loan portfolio, we paid out the deferred distribution in full alongside the regular quarterly payment.
We believe this is the kind of fiduciary discipline investors deserve: protect capital first, deliver yield second. Every dollar of every distribution has been paid. No investor has ever lost principal.
Prospera Mortgage Investment Fund has delivered positive returns every year since inception.
Fund at a Glance — PMIF
Target Return
8–10% annualized
Structure
Open-End Private Credit Fund
Distributions
Monthly
Asset Class
Senior Secured Real Estate Debt
Collateral
Real estate (65–70% max LTV)
Geography
Ohio & select Midwest markets
Minimum Investment
$100,000
Liquidity
12-month lock-up; quarterly thereafter
Tax Reporting
K-1 (partnership)
Administrator
Verivest, LLC (independent third-party)
Eligibility
Accredited Investors only (Reg D 506(c))
7.84%
Since-Inception
Annualized Return
8.54%
2025 Full-Year Return
THE INCOME DEFENSE ENGINE
How $3.2M Generates $2.1M in Distributions
A common question:
How does a fund with $3.2 million in assets pay out over $2.1 million to investors? The answer is capital recycling—the same principle that makes banking profitable.
Unlike a buy-and-hold equity fund, PMIF deploys capital into short-duration loans (typically 6–18 months), collects interest throughout, and receives full principal repayment at maturity. That capital is then immediately redeployed into the next loan. Over 11 years, the same investor dollars have been put to work 4.7 times— turning $3.2M in AUM into $15.1M in total lending activity.
$15.1M
TOTAL CAPITAL DEPLOYED
72
LOANS ORIGINATED
4.7x
CAPITAL RECYCLED
61
LOANS FULLY REPAID
Underwriting Discipline — By the Numbers
Average Loan-to-Value
61.2%
Loans Underwritten Below 70% LTV
100% of all loans
Average Interest Rate
12.1%
Loan Duration
6–18 months (short-duration)
Collateral Type
Real estate (SFR, multifamily, commercial, mixed-use)
Geography
Ohio & select Midwest markets
Defaults
Some borrower defaults — zero investor losses
Loss Recovery
100% principal recovery through collateral liquidation
Active Loans
11 loans, $2.2M outstanding
Deployment Period
December 2014 — present
WHEN UNDERWRITING IS TESTED
Defaults Happen. Losses Don’t Have To.
Over 72 loans and 11 years, some borrowers have defaulted—that is a reality in any lending business. What matters is what happens next. Because every PMIF loan is secured by real property at conservative loan-to-value ratios, we have recovered 100% of investor principal in every default scenario through collateral liquidation. This is the Income Defense strategy in action: the collateral does its job.
MULTI-FUND PLATFORM
Four Vehicles. One Disciplined Approach.
Prospera Advisory Group operates a diversified platform spanning private credit, real estate equity, and mortgage note investing. Each vehicle is purpose-built for a specific strategy—all unified by conservative underwriting, real asset collateral, and transparent reporting.
$8.32M
TOTAL CAPITAL RAISED & MANAGED ACROSS ALL VEHICLES
FLAGSHIP FUND
Prospera Mortgage Investment Fund
Open-End Private Credit Fund · Est. 2014
AUM $3.2M
TRACK RECORD 11 Years
2025 RETURN 8.54%
SINCE INCEPTION 7.84% Ann.
Monthly distributions from performing mortgage notes secured by real estate. Open to new investors.
CLOSED
Real Estate Portfolio
Direct Ownership · Residential & Small Multifamily · Closed
PORTFOLIO VALUE $2.83M
PROPERTIES 17 Units
STRATEGY Cash Flow + Equity
STATUS Closed
Portfolio of single-family and small multifamily properties across Columbus and Ohio markets. Successfully operated for cash flow, collateral strength, and long-term equity growth. Now closed.
ACTIVE FUND
The Mortgage Banc
Closed-End Note Fund · Est. 2024
AUM $1.4M
INVESTOR RETURN 8.0%
STRUCTURE Closed-End
STATUS Currently Closed
Concentrated portfolio of mortgage notes with defined maturity. Currently closed to new investment.
4 COMPLETED · 1 ACTIVE
Real Estate Syndications
Closed-End Equity Investments · 2023–Present
TOTAL RAISED $890K
COMPLETED $690K (4 Deals)
ACTIVE $200K (1 Deal)
RETURN RANGE 8–8.5%
Four successfully completed real estate syndications, with full return of capital plus targeted returns to investors
How It Works
From Inquiry to Income in Four Steps
A straightforward, transparent process designed for investors who value clarity and discretion.
01
Download the Report
Receive our Yield Starvation Report and understand why private credit outperforms traditional fixed income.
02
Capital Fit Call
A confidential 20-minute conversation to align your goals, timeline, and risk tolerance with the right vehicle.
03
Review & Subscribe
Receive the Private Placement Memorandum, review with your advisor, and complete subscription documents.
04
Monthly Income
Begin receiving monthly distributions backed by real estate collateral, with quarterly reporting and full transparency.
Free Research Report
The Yield Starvation Report
Why traditional bond portfolios are quietly destroying purchasing power — and how sophisticated investors generate income instead.
Why the 60/40 portfolio is failing retirees
How private credit delivers 8%+ income
Case study: 11 years of fund performance
Framework for evaluating private credit investments
Headshot Required
ABOUT THE PRINCIPAL
“We don’t try to guess what the Fed will do next. We don’t bet on which stock will split. We simply lend money to credit-worthy borrowers against hard assets.”
Ralph Abbott
Founder & Chief Investment Officer
Ralph has spent over a decade building and managing private credit portfolios secured by real estate. Since founding Prospera Mortgage Investment Fund in 2014, he has deployed $8.32 million across eight investment vehicles— maintaining conservative underwriting standards through rate cycles, a global pandemic, and multiple market corrections.
His approach combines institutional-grade risk management with the personalized service and direct access that high net-worth investors deserve. Every investor has Ralph’s direct line.
PUBLISHED AUTHOR
Private Mortgage Investment: Your Path to Creating Passive Income and Building Wealth
Published in 2012 by AuthorHouse and available on Amazon. Ralph literally wrote the book on private mortgage investing— over a decade before it became a mainstream alternative asset class. The strategies outlined in 2012 are the same disciplined principles still driving Prospera’s returns today.
$8.32M
Capital Managed
11+
Years Experience
8
Vehicles Launched
0
Missed Payments
INCOME DEFENSE
Your Capital Deserves
to Be Defended.
Schedule a confidential Capital Fit Call to discuss whether private credit belongs in your portfolio. No
obligation. No pressure. Just clarity.
Ralph Abbott
Founder & Chief Investment Officer
175 S. Third St., Ste 200
Columbus, OH 43215
614-484-7060
ProsperaInvestment.com
Available to Accredited Investors Only · Minimum Investment Applies
Prospera Advisory Group
Private credit investment management focused on capital preservation and consistent income generation for accredited investors.