Monthly Income. Backed by Private Real Estate Lending.
The Monument City Capital Income Fund gives accredited investors access to a professionally managed portfolio of first-lien private real estate loans. Every result comes down to hundreds of lending decisions. Ours begin with disciplined underwriting, conservative lending, and responsible stewardship of your capital.
*Preferred returns of 10-11% are targeted and not guaranteed. Available exclusively to accredited investors through a private offering under SEC Regulation D, Rule 506(c).
Investment Highlights
Monthly Distributions & DRIP
Receive monthly preferred distributions from the interest earned on the Fund's lending portfolio, or elect to reinvest through our optional DRIP program to support long-term compounding.
Target Annual Preferred Return
The Fund targets an annual preferred return of 10-11%, targeted and not guaranteed, distributed monthly. Returns are generated by interest earned on a diversified portfolio of short-term private real estate loans.
First-Lien Security
The Fund invests exclusively in first-lien residential real estate loans, meaning every loan is secured by a first-lien mortgage on the underlying property.
12-Month Initial Commitment
A 12-month initial commitment provides access to private real estate lending while offering greater liquidity than many traditional private real estate investments.
Liquidity
Following the initial commitment period, investors may request redemption with 60 days' written notice. Redemption requests are processed in accordance with the Fund's Operating Agreement.
Retirement Account Eligible
The Fund is compatible with Self-Directed IRAs and Solo 401(k)s, allowing qualified retirement assets to participate in the same strategy.
The information above is a summary of certain Fund characteristics and is provided for informational purposes only. Please refer to the Private Placement Memorandum and Operating Agreement for complete investment terms, risks, and redemption provisions.
Real Estate-Backed. Operator-Led. Investor-First.
The Fund invests exclusively in first-lien private real estate loans, conservatively underwritten by experienced operators who prioritize capital preservation, disciplined lending, and long-term relationships.
Operator Experience
We have borrowed hard money, renovated properties, and built rental portfolios ourselves. That firsthand experience shapes every loan we originate.
Disciplined Underwriting
Every lending decision begins with conservative underwriting, realistic valuations, and a focus on stewarding investor capital.
Deep Local Roots
Our focus is Maryland and South-Central Pennsylvania, where years of investing, lending, and community relationships inform every decision.
Aligned Interests
We invest our own capital alongside our investors, creating alignment and accountability in every lending decision.
“What stood out to me with Shaun is that he is not just a lender, he is an experienced operator who has actually done these deals himself. That gives me real confidence in how deals are evaluated and risk is managed, and it is why I have invested with him for years.”
“I have known Shaun since we were kids. When I started investing with him a few years ago, it was not just about the returns but about trust. I knew how he operates, how seriously he takes his work, and how much pride he puts into doing things the right way. He treats investor money with the same level of care as his own.”
“Shaun is extremely knowledgeable as a real estate investor. I like that he has his own capital in all his deals, shows me he has skin in the game. His deal vetting and underwriting process from start to finish is of the highest caliber. Having known Shaun for over a decade, and investing in Monument Capital has provided me an excellent source of income for my portfolio. Never missed a payment and always on time!”
“I have been in the hard money space myself, so I understand what it takes to run a disciplined lending operation. That is exactly why I chose to invest with Shaun early on. What stands out is how aligned his approach is with how I have always believed this business should be run. He prioritizes conservative underwriting, strong borrower relationships, and operates with a real respect for investor capital.”
“Shaun took the time to clearly explain everything so I felt confident and comfortable with the investment. He was consistently timely and reliable with monthly payments, and always easy to reach and responsive when needed.”
Testimonials from current Fund investors, shared with permission. These individuals were not compensated for their statements. Individual experiences may not reflect the experience of others and are not a guarantee of future results.
†Reflects Monument City Capital's historical private lending track record through June 2026. Past performance does not guarantee future results.
How Your Capital Is Put to Work
Investor capital is deployed into a diversified portfolio of short-term, first-lien private real estate loans. Investors earn a preferred return from the interest the borrower pays, distributed monthly or reinvested through the optional DRIP program.
You Invest
Commit capital to the Fund following accredited investor verification and completion of the subscription process.
We Deploy It
Your capital is deployed into a diversified portfolio of short-term, first-lien private real estate loans made to qualified real estate investors throughout Maryland and South-Central Pennsylvania.
Borrowers Pay Interest
Borrowers pay monthly interest and fees for fast, flexible financing secured by first-lien mortgages on residential investment properties.
You Receive Monthly Distributions
A portion of revenue generated by borrower interest payments is distributed to you monthly as preferred distributions or may be automatically reinvested through the optional DRIP program.
A Disciplined Approach to Risk Management
Every investment involves risk. Our objective is not to eliminate it, but to manage it through disciplined underwriting, conservative lending, and a repeatable process.
First-Lien Position
Every loan is originated in a first-lien position, providing the Fund with the strongest repayment priority against the underlying real estate and giving us the legal right to take control of the property if a borrower is unable to fulfill their obligations.
Conservative Loan-To-Value Ratios
Loans are underwritten to a maximum of 70% loan-to-value (based on after-repair value), providing a meaningful equity cushion intended to help manage downside risk.
Short-Term Lending
Loans are designed to be repaid within months rather than years, allowing capital to be redeployed regularly while reducing long-term market exposure.
In-House Underwriting
Every loan is personally underwritten using local market knowledge, in-house valuation, and project analysis rather than relying solely on third-party reports.
Insurance & Title Protection
Every transaction is closed through licensed title companies, with title insurance and appropriate property insurance helping protect the Fund's security interest.
Controlled Capital Deployment
Renovation funds are held in escrow and released only after verified completion of work, helping ensure capital is deployed as intended.
These practices are intended to help manage risk but cannot eliminate the possibility of loss. All investments involve risk, including the possible loss of principal. Please refer to the Private Placement Memorandum for a complete discussion of investment risks.
Monthly Distribution & DRIP Calculator
See what your capital could generate in monthly income, and how the DRIP option compounds your returns over a 12-month term.
Balance Growth Over Term
Your Estimated Income
Paid out as monthly distributions
For illustration only. 10-11% target returns are not guaranteed and all investments carry risk, including the possible loss of principal. Distributions and DRIP availability are subject to fund terms. Accredited investors only. Reg D 506(c).
How the Fund Fits a Diversified Portfolio
Every investment serves a different purpose. Here is how the Monument City Capital Income Fund differs from options income-focused investors often consider.
| Investment Vehicle | Return (since 2021) | Takeaway |
|---|---|---|
| CDs and Interest-Bearing Savings Accounts | ~.06-4% avg |
|
| Government Bonds | ~4.1% avg |
|
| S&P 500 | ~9-11% avg |
|
| Monument City Capital | 10-11% |
|
All investments carry risk, including possible loss of principal. Past performance is not a guarantee of future results. This information is provided for reference only. Please review the Private Placement Memorandum for full terms and disclosures.
Experience Shapes Every Lending Decision
The Monument City Capital Income Fund is managed by Shaun Magner, whose approach to underwriting has been shaped by firsthand experience in residential construction, corporate sales leadership, real estate investing, and private lending. Together, those experiences influence every lending decision made on behalf of the Fund.
Residential Construction
A background in residential construction provides firsthand insight into renovation scope, construction costs, project feasibility, and the realities of executing value-add real estate projects.
Corporate Leadership
More than fifteen years leading corporate sales organizations responsible for over $100 million in annual revenue helped shape the systems, discipline, and operational mindset that guide Monument City Capital today.
Real Estate Investor
Having personally acquired, renovated, financed, and managed investment properties, Shaun understands the opportunities and challenges borrowers face because he's experienced them firsthand.
Private Lender
More than 160 originated loans and over $28 million deployed has refined a disciplined underwriting process built around stewarding investor capital while supporting responsible real estate investors.
“Our lending is grounded in real operator experience. We have done these deals, borrowed hard money, and built and operated portfolios just like the ones we finance today. Every loan we originate is one we would put our own money behind, and we do.”
Investing Is Straightforward
A clear path from first look to your first monthly distribution.
Request the Overview
Learn how the Fund works, how returns are generated, and how risk is managed.
Discuss
Schedule a call with Shaun to ask questions and determine fit for your objectives.
Verify Accredited
A simple verification step required under SEC Regulation D Rule 506(c).
Fund Your Investment
Choose your investment amount, beginning at $100,000, then complete your subscription.
Receive Distributions
Your investment begins generating monthly preferred distributions, or compounds through DRIP.
Answers to Common Investor Questions
Who is eligible to invest?
How often, and how, am I paid?
How does the Fund manage risk?
How long is my capital committed?
Are the returns guaranteed?
What makes this different from a REIT or syndication?
Request the Investor Overview
We will email you the Monument City Capital Income Fund Investor Overview. It walks through the strategy, the structure, how monthly distributions work and the risk-management measures built into our lending strategy. No obligation.
Check your inbox.
Your Investor Overview is on its way. Shaun will follow up personally to answer any questions.
Ready to Learn More?
Start with the Investor Overview, then schedule a call with Shaun to discuss the Fund and ask questions as you determine whether it aligns with your investment objectives.
The information provided on this page is for educational and informational purposes only and should not be considered investment, legal, accounting, or tax advice. An investment in the Monument City Capital Income Fund is offered only pursuant to the Fund's Private Placement Memorandum and related subscription documents. Investing involves risk, including the possible loss of principal. Preferred returns of 10-11% are targeted and not guaranteed. Available exclusively to accredited investors under SEC Regulation D, Rule 506(c).