Yes, the payment of accrued interest is negotiable between the buyer and seller. The terms of the note sale, including the payment of accrued interest, are typically outlined in a purchase agreement or contract between the parties. It is important for both parties to carefully review and negotiate these terms before entering into the transaction.

The calculation of accrued interest on a promissory note depends on the terms of the note, including the interest rate and the payment schedule. Generally, accrued interest is calculated by multiplying the principal amount of the note by the interest rate and the fraction of a year that has elapsed since the last payment date.

The seller of a note is entitled to receive interest on the note up until the date of the sale. When a note is sold, the buyer is essentially taking over the right to receive future payments of principal and interest. Therefore, the buyer must compensate the seller for the interest that has accrued on the note up to the date of the sale.

Accrued interest is the interest that has accumulated on a promissory note from the last payment date to the date of the note sale.

A note sale is a financial transaction in which the owner of a promissory note sells it to another party in exchange for a lump sum payment.

Even if the buyer receives the full payment on the next payment date, the seller is entitled to receive interest on the note up until the date of the sale. The buyer is essentially receiving the benefit of the interest that has accrued up to the date of the sale, so they must compensate the seller for this amount.

Raiseli provides accredited investors better access to institutional quality higher-yielding debt investments backed by real property. In a low-interest rate environment, investing in Raiseli loans secured by real property provides investors access to a unique and attractive combination of current yield and principal safety. Also, Raiseli allows investors control over which CRE investments or projects become part of their personal portfolio, adding another level of customization previously unavailable to non-institutional investors.

Investors receive Borrower Payment Dependent Notes (BPDNs) which are issued by Raiseli Inc and correspond to the investor’s fractional participation in their selected loan on the Raiseli marketplace.

Borrower Payment Dependent Notes (BPDNs) streamline and simplify the process of dividing a loan up among a number of investors. Each investor receives a series of BPDNs in the amount that corresponds to the dollar amount they invested in that specific loan. Raiseli collects borrower payments and returns to investors the principal and interest payments on each BPDN in an amount that corresponds to the notes pro rata share of the loan, less a servicing fee. Each Borrower Payment Dependent Note is tied to the performance of a specific real estate loan. The performance of the BPDN is tied directly to the performance of the corresponding collateral lien.

Investing in BPDN’s results in interest income. Investors receive a single 1099 at year-end regardless of the number of BPDN’s in which they invest. Raiseli recommends that investors consult with their tax advisors to determine the tax implications specific to their unique tax situation and status.

Yes, Raiseli BPDN’s can be held in Self-Directed Individual Retirement Accounts (IRAs) to enjoy tax advantages and faster capital growth. Many of Raiseli’s current investors already use tax deferral plans. For more information and a list of custodians who offer alternative asset self-directed IRAs, please contact us.

The founders of Raiseli have been sourcing commercial real estate debt, trust deeds and mortgages on behalf of their private circle of high net worth individuals and institutions since 2003. As a result of the JOBs act of 2013, these opportunities can now be offered to accredited investors as defined by The Securities Exchange Commission (SEC).

Your choice of account types are Individual, Joint, Minor, Partnership, Trust, LLC, Corporate, custodial and non-custodial Retirement, Trust, or Foreign individual and entity. For entity accounts, you must have signatory authority and be able to legally transact on behalf of the entity. To ensure proper income and tax reporting, it is important to provide the correct name and mailing address for each unique account you set up.

Vesting is the legal name or “title” by which you want your investment to be held. “John M. and Mary J. Smith” is an example of vesting for a joint account or ‘The Jones Family Trust” is an example for a trust account. The vesting instructions or legal “title” for your note is important since “how” you hold title to your investment can have significant tax consequences. Determining in advance how you want your note to be “vested” or whose name will be on the “title” will help you decide what type of account is best used to achieve your objective.

Yes, transfers to and from your Raiseli account are handled electronically. It’s quicker, safer and more cost-effective than paper checks. For your security, only you can initiate “add” or “withdraw” funds in your account. Only you have access. Important: For additional security, the linked bank account needs to match the Raiseli account. For example, if you create a trust account on Raiseli called “The Jones Family Trust,” then subsequent withdrawals are only sent to a bank account likewise titled “The Jones Family Trust.”

Estate changes happen, so yes, a note can be reassigned. You can assign your note electronically to another Raiseli vesting account. Alternatively, call your Raiseli investor concierge who will help facilitate the change in title. A new account in the name of the assignee needs to exist on the platform, and the note will be reassigned to that account as per your instructions. For reassignment of notes to death beneficiaries, supporting documentation and identification is required. There is a per note reassignment administrative fee.‍

Yes, say you invested $100,000 in a project and hold 1 note in your name for $100,000. Later, you decide you would like to reassign the note to your two children, or alternatively, you may decide to divest of ½ of the face value of the note in a sale to a 3rd party. Either way, you can split your note by 2 or 4 equal increments. Your $100,000 note would become four (4) $25,000 notes or two (2) $50,000 notes. Call your Raiseli investor concierge, and they will facilitate a note split on your behalf. A note cannot be split to less than $1000 of face value, and an administrative split-fee will apply.

A loan secured by a real property lien is a strong first step to recovering investor capital. Of the small percentage of loans that fall into non-payment, we work diligently to mitigate any potential loss and quickly resolve the default. If a borrower cannot bring payments current, preparations begin for foreclosure proceedings as per the applicable federal & state rules and guidelines. Investors receive regular updates on all activities, status changes, manager comments & expectations for resolution until a resolution has been achieved.‍

Before a loan is offered on the exchange, an extensive due diligence process is completed by the Issuers underwriting team. While the due diligence process can vary according to the nature of the loan, property type and the borrower’s circumstances, the typical loan is evaluated within the following three key areas: 1.The evaluation of the collateral property 2. The assessment of non-payment or default risk includes a review of payment history, borrower solvency & credit, note guarantors if any and 3. The authentication of note and title include a review of an updated title policy, the loan agreement, the note and its negotiability, the mortgage or deed of trust.

You need to be logged in to see active listings and be an accredited investor. Raiseli offerings are subject to the Securities Exchange Commission’s (SEC) Regulation D, Section 506(b). New investors, once signed up are subject to an approval process, which can be expedited by a “know-your-client” conversation with Raiseli.

Please submit a funding request on Raiseli's pre-qualification page.

Yes. For your security, if you need to edit or change a previously linked bank account, please call your Raiseli Investor Concierge at 1 (855) 509 4353. We monitor changes to linked bank accounts to ensure the integrity and security of fund withdrawals. The security of your funds is of paramount importance to us.