Private Real-Estate-Backed Lending for Predictable Monthly Income
Earn fixed returns secured by affordable housing while helping families move toward homeownership.
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No banks. No market swings. Just simple, secured lending.
How This Real-Estate-Backed Lending Program Works
This page provides an educational overview of a typical private lending structure designed for investors seeking predictable returns backed by real property. Lenders can earn fixed interest rates—often around 12% annually over 60 months—secured by a recorded lien on affordable single-family homes.
Your capital helps create pathways to homeownership for families while generating consistent monthly income for you. Every transaction is structured with transparency, third-party oversight, and conservative equity cushions to protect your investment.

Important: These examples are educational and illustrative only. Actual deals, terms, and investment opportunities vary and are provided in writing for each specific opportunity.
About Dave & Michelle Vaughn
Dave and Michelle Vaughn are the owners of Infinite Horizon Properties, a real estate investment company focused on acquiring and financing affordable single-family homes throughout Central and Southern Illinois and surrounding areas. Their mission combines financial opportunity with social impact—helping families achieve homeownership while offering lenders straightforward, secured returns.
With a commitment to transparency and responsible deal structuring, the Vaughns personally oversee every transaction and maintain open communication with their lending partners. They believe in win-win outcomes where everyone benefits from ethical, well-documented real estate investments.
Our Core Values
Integrity in Every Decision
We treat lender capital with the same care and protection we give our own. Every deal must make sense, stand on its own, and honor the trust placed in us.
Transparency & Plain-English Communication
No jargon, no confusion, no surprises. We explain every opportunity clearly so you feel confident and informed.
People First, Profit Second
We invest in families, not just properties. Helping someone move toward homeownership while protecting our lenders is how we measure success.
Responsible Investing
We only pursue deals with strong equity positions and built-in safety margins. Long-term stability matters more than short-term gains.
Our Investment Strategy
Conservative Purchases
We acquire properties significantly below market value, creating an immediate equity cushion that protects lender capital. Every purchase is analyzed for long-term value and neighborhood stability, ensuring your investment is backed by solid fundamentals from day one.
Creative Financing
Homes are sold through installment contracts or lease-option agreements, generating consistent monthly payments from buyers working toward ownership. This approach provides steady cash flow while helping families who may not qualify for traditional bank financing.
Fixed Lender Returns
Lenders earn predetermined fixed rates backed by recorded liens on real property. All agreements are documented through licensed title companies or attorneys, with clear terms, payment schedules, and security instruments protecting your investment throughout the loan term.
Sample 5-Year Projection for a $30,000 Loan
This example illustrates how a typical lending opportunity might perform over a 60-month term. Your monthly income remains consistent regardless of market conditions, providing predictable cash flow you can count on.

For illustration only. Actual loan amounts, interest rates, and terms are provided in writing for each specific opportunity and may vary based on property, deal structure, and current market conditions.
The 5-Step Lending Process
01
Property Acquisition
We identify and purchase properties below market value in solid neighborhoods. Each property undergoes thorough evaluation for condition, location, and long-term appreciation potential.
02
Deal Summary Provided
You receive a complete deal package including property details, purchase price, proposed terms, equity position, title information, and projected returns. Review everything at your pace with no pressure.
03
Lender Commitment
Once you're comfortable with the opportunity, you commit to funding. We coordinate timing with the closing company and provide wire instructions and next steps.
04
Funds Wired to Title Company
Your investment goes directly to a licensed title company or attorney—never to us personally. The title company holds funds in escrow until all documents are properly executed and recorded.
05
Closing & Monthly Income Begins
Documents are signed, your lien is recorded, and title insurance is issued. Your first monthly payment arrives within 30 days, continuing consistently throughout the loan term.
Key Benefits of Private Real Estate Lending
Attractive Fixed Returns
Earn interest rates typically ranging from 10-12% annually—significantly higher than traditional savings, CDs, or money market accounts, with returns backed by tangible real estate collateral.
Predictable Monthly Income
Receive consistent monthly payments deposited directly to your account. No surprises, no volatility—just reliable cash flow you can plan around for budgeting or reinvestment.
Backed by Real Property
Your investment is secured by a recorded lien on physical real estate. If anything goes wrong, you have a legal claim to actual property with built-in equity protection.
Manageable Investment Size
Typical loan amounts range from $25,000 to $50,000, making this accessible for individual investors without requiring institutional-level capital. Diversification across multiple loans is possible.
Four-Layer Protection System
Every lending opportunity includes multiple layers of protection designed to safeguard your investment. We believe in conservative structures that prioritize lender security above all else.
1. Promissory Note
A legally binding document detailing the loan amount, interest rate, payment schedule, and terms. This creates a clear contractual obligation between borrower and lender with enforceable legal remedies.
2. Recorded Lien (Mortgage/Deed of Trust)
Your security interest is officially recorded with the county, creating a public claim against the property. This lien gives you legal rights to the property if payments aren't made as agreed.
3. Title Insurance
Protects against title defects, liens, or ownership disputes that could affect your security interest. A title company searches records and issues insurance covering your lien position.
4. Property Insurance
The property carries hazard insurance protecting against fire, storms, and other damage. You're named as loss payee, ensuring insurance proceeds protect your investment if property damage occurs.
Professional Third-Party Oversight: All transactions are handled by licensed title companies or real estate attorneys to ensure proper documentation, recording, and compliance with applicable laws. We never handle your funds directly.
Frequently Asked Questions
What are typical loan amounts and terms?
Most lending opportunities range from $25,000 to $50,000 with terms of 36 to 60 months. Interest rates typically fall between 10-12% annually, with monthly payments providing consistent cash flow throughout the term.
Why does Infinite Horizon Properties pay above bank rates?
Traditional banks have overhead costs, regulatory requirements, and approval processes that make smaller real estate loans unprofitable for them. We can offer better rates because we eliminate bank bureaucracy and work directly with private capital to fund solid deals.
Can I use retirement funds (SDIRA)?
Yes! Many lenders use self-directed IRA or 401(k) funds for these investments. Your SDIRA custodian handles the transaction, with payments deposited back into your retirement account. Consult your custodian and tax advisor for specific guidance.
What happens if the buyer pays off early?
If a buyer pays off early, we work directly with you to choose the best option. You can either receive the remaining balance of the loan—often with fully amortized interest depending on the stage of the agreement—or we can secure your funds with a lien on another property. Our goal is to keep your capital protected and working for you.
What if I need my money back sooner?
These loans are designed to be held for the full term, but in some cases we may assist in placing your position with another lender. Early exit options are handled on a case-by-case basis.
How do I get started?
Simply schedule a call or fill out the contact form. We’ll learn about your investment goals, walk through the process, and notify you when a suitable opportunity is available.
What about vacancy scenarios?
If a buyer or tenant ever stops paying or moves out, your payments do not stop. We maintain dedicated reserve funds to ensure we can continue servicing our lender obligations regardless of occupancy. Even during a vacancy or transition period, you continue receiving your scheduled payments on time.
Protecting our relationship with our lenders is our highest priority, and we are committed to honoring every agreement without interruption.
Is this investment guaranteed?
No investment is without risk. While loans are secured by real property with multiple protection layers, real estate values can fluctuate and borrowers may default. We structure deals conservatively, but you should understand the risks before investing.
How do I know these properties are real?
Every deal includes the property address, photos, and public records you can verify. You're welcome to drive by, look up tax records, or even inspect properties before committing. Transparency is fundamental to how we operate.
How do monthly payments work?
We make monthly payments directly to you (or to your SDIRA custodian, if applicable) on a set schedule. Payments are automated whenever possible to ensure reliability and consistency.
What happens if Infinite Horizon Properties stops operating?
Your lien remains attached to the property, independent of us. Your note and mortgage are legal documents recorded with the county, and your rights are preserved regardless of business changes.
Ready to Explore a Secured Lending Opportunity?
If you're interested in earning strong, predictable returns backed by real property, let's have a conversation. We'll discuss your investment goals, answer your questions, and explore whether private real estate lending fits your financial strategy.
Simple Next Steps:
  1. Schedule a no-obligation 30-minute call
  1. Review your goals, timeline, and questions
  1. Explore current and future opportunities together
No pressure, no sales pitch—just honest conversation about whether this makes sense for you.
Get In Touch
Dave & Michelle Vaughn
Infinite Horizon Properties
Email: info@infinitehorizonproperties.com
Phone: (618) 563-7337
Legal Disclaimer
This website provides educational information only and does not constitute an offer to sell securities or investment advice. Private lending opportunities are discussed individually and must comply with all applicable federal and state laws. Real estate investments carry risks including potential loss of principal. Past performance examples are illustrative and do not guarantee future results. All prospective lenders should consult with their own legal, tax, and financial advisors before making any investment decisions. By using this site, you acknowledge that you understand these limitations.
© 2025 Infinite Horizon Properties. All rights reserved.