Step 1: Proposal

Rocheu Ventures shares property info, loan proposal and profit projection with investors.

Step 2: Funding

Individual funds are pooled into Rocheu Ventures and documented on promissory notes. Rocheu Ventures secures the loan through a deed of trust in 1st or 2nd lien position and releases funds to developer.

Step 3: Return

At maturity, developer returns profit, interest and principal back to Rocheu Ventures, which distributes them back to individuals in the form of passive interest income (1099-INT). Rocheu Ventures retains 1.5% of principal in fees.