Get Started

We make it easy for you to invest in a diversified portfolio of real estate loans.

Sign Up

Open your account in minutes. Once your accredited investor status has been verified, you can then connect your bank account securely and transfer funds into your AlphaFlow account via ACH. Funds arrive within 2-3 days.

Earn Interest

Interest payments are deposited into your account 1 to 2 times per month. You have the option to auto-withdraw or auto-reinvest earnings.

Track Perfomance

Easily track all your account and portfolio activities 24/7. Your personal dashboard shows account value, earnings, rate of return, geographic footprint and individual loan details.

This is where your work stops and ours begins. Your AlphaFlow Optimized Portfolio is at your fingertips.
Sign Up FAQ

AlphaFlow invests in real estate debt, generally called bridge loans. These are short-term, 1st lien notes backed by residential real estate. The notes are typically between $75,000 to $2,000,000, yield between 7%-11%, target a maximum average loan-to-value of 75% and are secured by the property and often a personal guaranty. Your funds are spread across 75-100 of these notes in at least 15 states.

AlphaFlow is a registered investment advisor that helps investors passively invest in a diversified portfolio of real estate loans. Due to current SEC restrictions, we are limited to working with accredited investors at this time.

The SEC defines ”˜Accredited Investor’ under Rule 501 of Regulation D to include a natural person with (1) a net worth or joint net worth with the person’s spouse exceeding $1 million, not including the value of the primary residence, and / or (2) annual income of $200,000 in each of the two most recent years, or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income in the current year.

The minimum investment is $10,000. Given that your portfolio may be split across 100 individual loans, AlphaFlow targets a minimum value of $100 in each loan by the time each portfolio is optimized.

Our account minimum is $10,000 which allows us to provide an optimized allocation across 75-100 real estate loans. We currently accept funds via bank transfer (ACH). ACH allows you to move funds directly between a checking or savings account and your AlphaFlow account. Once you confirm your bank account by logging in to the bank in question or identifying two very small deposits that we send to the desired account, we transfer your money electronically and allow you to make additional deposits at any time. In most cases, bank transfers will be deposited into your AlphaFlow account within 2-3 business days. Please note that any small deposits sent to your bank account for verification purposes will be withdrawn from that bank account within 10 business days.

AlphaFlow’s platform is primarily set up as dashboards for your to keep up to date with your investments and payments. You can see every loan in your portfolio at any time by simply logging into your dashboard. We also give you access to the tools we built to help manage the portfolios; namely an Exchange of deals on other platforms and the ability to connect your accounts from other real estate crowdfunding platforms.

We Build Your Portfolio

We put investment management best practices, institutional level data analytics, and our deep experience to work for you.

Portfolio Management

Your portfolio is actively managed by experienced industry professionals, who thoroughly screen and select lenders. Our culture of credit over volume leads us to reject ~80% of loans that do not pass our strict underwriting standards. We emphasize stability, security, and return of principal in our portfolio management style.

  • Borrower Elements
  • Market Elements
  • Property Elements

1
Fc
Foreclosures

2
Pc
Property Condition

1
Br
Bankruptcies

2
Ps
Property Size

2
Pr
Public Records

1
Jm
Judgments

1
Fe
Flipping Experience

1
Rl
Recorded Liens

1
Rp
Rural Properties

2
Zr
Zoning Restrictions

1
Lm
Liens

1
Fr
Fraud

1
Dm
Days-on-Market

1
La
Local Amentities

1
Cp
Construction Permits

1
Mi
Median Income

1
Bp
Building Permits

1
Ph
Property Price History

1
Pc
Property Comparables

2
Em
Easement

1
Ch
Criminal History

1
Se
SSN & EIN Verification

1
Re
Real Estate Exposure

1
Ss
Superfund Sites

1
Ci
Consumer Price Index

1
Mr
Monthly RE Inventory

1
Sr
School Rating

1
Fz
Flood Zone

1
Pt
Property Type

2
Pm
Plat Map

1
De
Deeds

1
Gd
Guarantor Due Diligence

1
Rh
Repayment History

1
Bf
Brownfields

1
Cr
CAP Rates

1
Cd
Census Data

1
Ec
Employment Concentration

1
Mh
Median House Age

1
Er
Earthquake Risk

2
Ha
HOA Restrictions

1
Fo
FICO

1
Lr
Lending Relationships

1
Lc
Open Lines Of Credit

1
Dg
Demographics

1
Cl
Cost of Living Index

1
Ma
Market AVM’s

1
Nh
Natural Hazards

1
Ar
Absorption Rate

1
Hv
Home Value

2
Pi
Permitted Improvements

Advanced Analytics

Proactive analytics enable sophisticated decisioning while our unique forecasting perspective enhances awareness of advantageous markets. Over 50 elements are considered in loan evaluation.

Our experience is your advantage. We build and manage your portfolio for you.
Portfolio Building FAQ

Your initial investment will be diversified across at least 75 individual loans within the first 45 days. From there, your portfolio will be continually rebalanced to maintain diversification. We strive to put all of your investment to work as soon as possible though, so we may initially place all of your investment in a smaller number of loans so that you are earning interest on all of it, before then continuing to change your allocations and spread you across multiple loans until we get to 75-100!

AlphaFlow sources loans from non-bank lenders approved through a thorough vetting process conducted by AlphaFlow’s investment team. Individual loan selection is powered by data-driven decisions based on market trends, resulting in a rejection rate of approximately 80%.

All investments are in residential real estate loans secured by first lien positions.

AlphaFlow has an extensive list for underwriting the borrower, the property, and the market in order to diligence every investment. AlphaFlow’s review includes typical items such as credit scores and track record, as well as market trends like days on market for the region along with how the specific local is trending.

The underlying loans in AlphaFlow Managed Portfolios were originated by non-bank lenders. Borrowers will accept higher rates from these lenders to ensure they have access to capital more quickly and with more flexibility than they would receive from a traditional funding source.

We Optimize Your Portfolio

AlphaFlow Optimized Portfolios target returns of at least 8-10%; allocations of at least 75unique investments spread across 15 or more states; and a maximum loan-to-value of 75%.
max
75%

LTV

up to
8-10%

Blended
Return

15+

States

75-100

Notes

Portfolio Composition

Portfolio composition is built across multiple origination partners to offer a broad range of borrowers, geographies, and loan amounts. Your investment is spread across 75-100 loans in at least 15 states.

Loan To Value

AlphaFlow invests in short-term, asset-backed mortgage notes, in a first lien position, providing security and assurance of repayment. Portfolios target a maximum loan-to-value of 75%, providing a minimum 25% equity cushion.

Diversification

AlphaFlow partners with lenders across the country, leveraging deep local knowledge of their lending markets. Loans in AlphaFlow Optimized Portfolios are diversified geographically across at least 15 states, giving you exposure to multiple markets and MSAs within those states.

We built diversification into the core of AlphaFlow Optimized Portfolios. With our proprietary optimization, it’s simple to diversify into real estate loans.
Optimization FAQ

The maximum Loan-to-Value on any given loan is 80%, but AlphaFlow does not typically go above 75% unless the loan has significant compensating factors. The target blended LTV for your portfolio will be 75% max.

You can log into your dashboard at any time, 24-7, and see each and every loan in your portfolio!

Payments are effortless! When you sign up for an AlphaFlow Optimized Portfolio, you’ll connect a bank account to fund your investment. At the end of every month, you’ll receive a distribution on your investments in your AlphaFlow account. You can always add a second bank account if you’d like us to make deposits elsewhere! From there, you have 3 options: (1) auto re-invest your earnings and/or returned principal, (2) leave the funds in your AlphaFlow account to decide to reinvest or withdraw later yourself, or (3) auto-withdraw the funds to your account.

When a loan repays, the funds are returned to you and you have 3 options: (1) auto re-invest your earnings and / or returned principal, (2) leave the funds in your AlphaFlow account to decide to reinvest or withdraw later yourself, or (3) auto-withdraw the funds to your account. Our goal is to make it as effortless as possible to allow you to “set it and forget it!”

On most platforms, investing in 6-12 loans often means a minimum investment of $30-60K. With AlphaFlow, you are automatically placed into 75-100 loans, all with a minimum investment of $10K.

We Automatically Rebalance Your Portfolio

AlphaFlow Optimized Portfolios are the next evolution of real estate investing, bringing to real estate what ETFs brought to stocks.

 
 

Auto Rebalance

Our proprietary rebalancing algorithm reviews each portfolio daily, ensuring that your investment remains diversified and optimized.

Auto Reinvest

The only thing better than earning passive income is having your earnings reinvest themselves automatically so that you earn even more. You control whether you want to re-invest earnings automatically, or take your earnings out anytime.

Auto Withdraw

We want you to have the most flexibility with your portfolio. With auto-withdraw, you can take your distributions out automatically whenever you receive them.

Algorithms keep your portfolio optimized. Smart automations put you in control of your earnings.
Automation FAQ

AlphaFlow’s team is investing in loans we like around the industry on a daily basis. When you invest and we receive your capital, we allocate you slices of loans in which we have availability at the time. This changes on a daily basis, so depending on when you invest, you may have overlap with other customers but you’ll likely have a unique portfolio from most other AlphaFlow clients. All loans will fall within the same standards of underwriting.

Auto-withdraw is a function in your dashboard that you can toggle on or off. With auto-withdraw, you can choose to have your monthly earnings and any returned principal automatically withdrawn to your bank account. If you have opted for auto-withdraw, funds will be in your bank account within 3 business days. Otherwise, simply click the Transfer Funds button to withdraw your Cash Reserves.

Auto-reinvest is a function in your dashboard that you can toggle on or off. With auto-reinvest you can choose whether to re-invest interest earnings as well as returned principal. By default, the settings on your Balances tab in your account are set to auto-reinvest returned principal and to move earnings to Cash Reserves. If you opt for auto-reinvest, you will see those earnings and returned principal in the Investible Cash portion of your dashboard.

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Details That Matter

Monthly Interest Payments

Monthly Interest Payments

Interest payments are deposited into your AlphaFlow account 1 to 2 times per month.

SDIRA

Invest With Your SDIRA

You can invest with your SDIRA. Ask us about it when you sign up. We’ll be happy to assist with the process.

Low Fees

Low Fees

AlphaFlow Advisor, LLC charges a low 1% management fee.*

*We may charge servicing, origination, or other fees in certain circumstances on certain real estate loans in your portfolio which will always be disclosed.

Tax Advantages

Tax Advantages

We issue a single K1 each year for all of your investments made throughout that year with AlphaFlow. Whether you only invest once or add funds multiple times, it’s a total of only one K-1 per year.