Asset-Based Credit

Our asset-based credit strategies provide a differentiated entry point into private credit, offering diversification from traditional corporate credit exposure.

Through a suite of investment strategies and tailored solutions, we enable access to the fragmented real estate credit market across a range of structures, asset types, and borrower segments.

Income Strategy

Seeks to generate stable high income with low volatility, minimal rate duration, and limited correlation to broad financial indices by investing in alternative mortgage credit loans that typically offer excess spread above traditional mortgage assets.

Levered Credit Strategy

Aims to generate compelling risk-adjusted returns through levered exposure to alternative real estate credit and housing-related finance via structured solutions and securitization.

Structured Solutions

Demonstrated leadership in the securitization market through inaugural platform and rated securitizations, sophisticated structuring execution, and cost of capital reduction. To date, we have sponsored over 40 alternative mortgage asset securitizations (~$10B).

CRE Solutions

Commercial real estate financing capabilities, including the origination and management of high quality, middle market, first mortgage and subordinate (mezzanine and preferred equity) credit solutions.

Seeks to generate stable high income with low volatility, minimal rate duration, and limited correlation to broad financial indices by investing in alternative mortgage credit loans that typically offer excess spread above traditional mortgage assets.

Aims to generate compelling risk-adjusted returns through levered exposure to alternative real estate credit and housing-related finance via structured solutions and securitization.

Demonstrated leadership in the securitization market through inaugural platform and rated securitizations, sophisticated structuring execution, and cost of capital reduction. To date, we have sponsored over 40 alternative mortgage asset securitizations (~$10B). 1

Commercial real estate financing capabilities, including the origination and management of quality, middle market, first mortgage and subordinate (mezzanine and preferred equity) credit solutions.

Saluda Grade Residential Asset Classes

Residential Transition Loans (RTLs)
Residential Transition Loans (RTLs)

Short-duration loans made to real estate professionals to fund the purchase, construction or rehabilitation and improvement of residential properties.
Residential Second Lien Mortgages (2nds)
Residential Second Lien Mortgages (2nds)

Loans made to homeowners that are secured by single-family real estate but subordinate to a primary mortgage, either in a revolving line of credit or closed-end structure.
Home Equity Agreements (HEAs)
Home Equity Agreements (HEAs)

Consumer finance products that serve as an equity investment into a home in exchange for a share of the home's future value.
Debt Service Coverage Ratio (DSCR)
Debt Service Coverage Ratio (DSCR)

Non-Qualified Mortgages (non-QM) on residential investor properties underwritten with reference to the cash flows generated by a property's rental income.
Home Improvement Loans (HI)
Home Improvement Loans (HI)

Unsecured loans designed to fund renovations, repairs, or upgrades for a homeowner.
Multifamily Bridge Loans (MBL)
Multifamily Bridge Loans (MBL)

Mid-duration loans designed to finance the acquisition or renovation of multi-family properties prior to obtaining longer-term financing.
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