Question 1

How do you protect capital against default risk?

Accepted Answer

Every loan clears the MortgageAgent risk model on loan-grade thresholds — LTV, DSCR, and credit screens that are the same bar the partner desk uses to clear files in the first place, so what qualifies as supply is also what qualifies as capital. Each file carries documented collateral, borrower background, and exit strategy before it ever reaches an investor. The result is a portfolio that is screened twice before money moves: first by the partner network, then again by the same underwriting dataset. For the full intake flow, see the accredited-investor intake.

Question 2

What about liquidity — can I exit my position?

Accepted Answer

MortgageAgent funds private and short-term mortgages, so the natural exit is the loan itself: payoff, refinance into a take-out lender, or sale of the underlying collateral. Position duration is tied to the loan’s cycle (typically bridge-length, not multi-year lockups), and the AI agent surfaces the right windows to act. We do not promise on-demand redemption the way an open-end fund does — exit follows the loan, not a calendar. For the full intake flow, see the accredited-investor intake.

Question 3

How does the AI risk monitoring actually work?

Accepted Answer

Autonomous AI agents run continuous, real-time risk assessment across the funded book — the same evaluation the underwriting pipeline runs at intake, replayed 24/7 on every position. The agent flags covenant drift, collateral movement, and borrower signals as they appear, not at the next quarter-end. See the How It Works walkthrough for the runtime, and see the accredited-investor intake to start an allocation conversation.

Question 4

How do you verify accreditation?

Accepted Answer

Every applicant confirms SEC Rule 501 status before an allocation opens — through one of the three qualifying tests (income, net worth, or professional license) exactly as the four criteria on the invest page describe. We re-check accreditation at the start of each annual capital cycle; investors whose status has changed move to a separate observation queue rather than being silently routed the wrong mandates. To start the intake, see the accredited-investor intake.

Question 5

Are fees transparent?

Accepted Answer

Yes — onboarding and verification costs are surfaced up front on the accredited-investor intake, and the partner program repeats the same transparency on its side. There is no layered fee schedule buried in a subscription footnote; what you see in the intake is what carries through the allocation. The exact terms live with the accredited-investor intake, and you can pre-flight them via the partner inquiry form.

Honest answers to the five objections investors raise first

The five questions, answered

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