Private Money Lending · Residential Real Estate

Real returns backed by real assets.

We partner with private investors to fund residential investment properties — offering predictable returns backed by tangible real estate in high-growth markets.

Invest with us → How it works
LTR + MTR
Deal Types
Residential
Asset Class
Secured & Insured
Collateral

Why Groundswell

We take the complexity out of private lending.

You provide the capital. We handle the acquisitions, operations, and returns — and keep you informed every step of the way.

Asset-Backed Security
Your loan is secured by a recorded deed of trust on the property. You're not investing in a fund — you're a lienholder on a real asset in a market you can look up yourself.
Predictable Returns
Agreed-upon interest rates, defined loan terms, and a clear repayment structure. No surprises, no vague distributions. You know what you're getting before you sign.
A Relationship, Not a Portal
We're a small, operator-led team. You'll work directly with us — not customer support. We're transparent about deal underwriting, timelines, and challenges.

The Process

Four steps from introduction to funded.

We've kept the process light. No lengthy legal preambles, no drawn-out onboarding.

01
Tell us about yourself
Fill out our short lender intake form. Share your lending capacity, timeline, and any questions you have.
02
We connect
We'll follow up within 48 hours for a short intro call — no pressure, just a conversation about fit and expectations on both sides.
03
Review a deal
When a deal matches your profile, we'll send you a deal summary including the property, loan terms, exit strategy, and projected returns.
04
Fund & earn
Once terms are agreed, we close with a title company. Your funds are secured, and you begin receiving payments per the loan schedule.
Operator-led investing

About Groundswell

We invest where we see the swell building.

Hey! I'm Cedric. I'm a venture capital investor by day, and I built Groundswell Collective to do something my day job rarely does: generate stable, predictable cash flow. After years of backing early-stage startups — where outcomes are binary and timelines stretch a decade — I turned to residential real estate as a deliberate counterbalance. Tangible assets, recurring income, returns that don't depend on a 10-year exit.

I approach real estate the same way I approach early-stage investing — with disciplined underwriting, a focus on fundamentals, and a long-term view. The people who partner with me aren't just capital sources. They're partners, and I treat them that way.

Cedric Char, Founder
Focused on undervalued submarkets with strong rental demand fundamentals
All loans documented via title company with deed of trust recorded
Regular deal updates and full access to property performance data
LTR and MTR strategies for both cash flow and appreciation plays

Lender Intake

Ready to put your capital to work?

Fill out the short form and we'll follow up within 48 hours. There's no commitment — just a conversation about whether we're the right fit.

What to expect

Response within 48 hours
Short intro call, no obligation
We match you to deals that fit your criteria
Something went wrong submitting your form. Please try again or email us directly.
Let's get acquainted.
Your basic contact info — that's all for now.
Tell us about your goals.
Help us understand your lending profile so we can match you to the right deals.
Almost done.
Any questions or context you'd like us to know before we connect?

By submitting, you agree to be contacted by Groundswell Collective. We do not sell your information. This form does not constitute an investment agreement or offering.

You're on our radar.

Thanks for reaching out. Someone from the Groundswell team will be in touch within 48 hours.