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Fund Investing

What are the main differences between DE IV and the Reliant Liquidity Fund?

The main differences are rate and term: DE IV has a 3-year term and offers a 10% Preferred Return, whereas the Reliant Liquidity Fund has a 90-day Call Option and offers a 7% Preferred Return.

How long has PPR been managing funds?

PPR has been managing note funds since 2007. Since then we’ve never missed a payment, nor have we failed to deliver the preferred return or lost any investor’s principal investment capital.

What is the minimum fund investment?

The minimum fund investment in the DE IV Fund is $10,000 and in the Reliant Liquidity Fund is $50,000.

When and how do I receive my preferred returns?

Preferred returns are directly deposited into your account (via ACH) the 1st of each month.

Do I have to be an accredited investor to participate in the fund?

Yes, our funds are set up for accredited investors only.

What is an accredited investor?

In order for an individual or an entity to qualify as an accredited investor, they must typically meet at least one of the following criteria:

  1. an individual with income exceeding $200,000 or joint income with his or her spouse of at least $300,000, in each of the last two years with the expectation to reasonably maintain the same level of income in the present year;
  2. an individual with a net worth exceeding $1 million, excluding the primary residence, either individually or jointly with his or her spouse;
  3. an entity that has assets exceeding $5 million that was not formed solely for the purpose of making the investment; or
  4. an entity whose owners all satisfy 1, 2, or 3 above.

For more information about the SEC’s requirements and common exemptions, see Regulation D Rule 506 in this brochure, Q&A: Small Business & the SEC.

How do I verify that I’m an accredited investor?

In our investor application process, we utilize a reputable third party company called VerifyInvest, providing a private and simple way for you to verify your accredited investor status through their online portal.

How long is the fund investment term?

Each fund has a specified investment term. Currently, the terms range from ninety days to three years.

How much does it cost to purchase a share in one of the funds?

Each share is $5,000, with a minimum investment of $10,000 in the DE IV Fund and $50,000 in the Reliant Liquidity Fund.

What’s the difference between Class A, B, and C shares?

The classes are set up for different offerings within the same fund.

Is my fund investment passive?

Yes, investing in the fund is the most passive investment we currently offer. Investors receive their monthly return the 1st of each month directly into their bank account via ACH.

What information does PPR provide to me as an investor?

You can see your monthly statements, account balances and distributions, K1s, etc. on our Investor Portal.

Note Investing

What is a note?

A note is simply a promise to repay a loan. In the note industry, this promise is in the form of a contract in which one party (the borrower) agrees to repay a certain portion of the loan to the other party (the lender) within a set period of time and under specific terms (including interest rate on the loan, penalties for late payments, etc.).

Why are notes discounted?

Notes may be discounted for a variety of reasons, such as performance, value, condition, and status of the property or borrower.

How is my note investment secured?

When a note and mortgage (or deed of trust) is first originated, the recording of the mortgage perfects the collateral (the property) for the lender. If and when the note and mortgage are ever sold by the bank in the future, a new assignment of mortgage is drawn up and recorded in the county courthouse where the mortgaged property is located. Once recorded, this transfer of the mortgage to a new owner is now public record.

What do I do if my note stops performing?

If a performing note is purchased directly from PPR, it is immediately covered by a performance note warranty. In this instance, PPR will attempt to get the asset re-performing within a certain period or will issue a cash refund for the remaining principal investment (minus payments received) in exchange for the return of the non-performing note and collateral. If the note is purchased from another source, the note buyer would typically initiate legal action and work the loan like any non-performing note.

What are tax implications of note investing?

Although PPR does not offer accounting advice, when an investor owns an individual note and is receiving payments, the interest portion of monthly payments are taxed as interest income. If an investor sells or cashes out of a note, it’s either a short-term or long time capital gain/loss depending on whether you owned the note longer than a year.

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