Monthly income.First-position security.12-month duration.
Clark St Capital's Connecticut debt fund lends to vetted flippers, secured by first-position mortgages and backed by six months of interest in escrow at closing. Live now.
- Minimum
- $100,000
- Distribution
- Monthly
- Loan term
- 12 months
- Geography
- Connecticut
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Three commitments, in writing.
01
We never go into debt to make distributions.
LP distributions begin only when a project is cash-flow positive. We do not borrow to pay yield. If the deal is not producing, neither is the distribution.
02
We publish an after-action report on every deal.
When a project closes out, the good, the bad, and the ugly all land in the investor portal. The lessons that improve the next deal start with the honest accounting of the last one.
03
On syndications, we co-invest on the same terms as our LPs.
Same class, same return threshold, same outcome. Our check is large enough that a bad result hurts us the way it hurts you. We do not earn promote until you are whole.
Two strategies, one operating principle
We do well only when our investors do well.
Live now · For monthly income, shorter duration
The debt fund
First-position loans to vetted Connecticut flippers. Six months of interest pre-funded into escrow at close, monthly interest distributions to LPs, twelve-month term.
- Minimum
- $100,000
- Term
- 12 months
- Distributions
- Monthly
- Geography
- Connecticut
Next deal: 1–3 months · For 3–5 year wealth building
Multifamily syndication
Class B and C multifamily acquisitions across CT, RI, and MA. We co-invest on the same terms as our LPs. The funnel below shows how three of every hundred deals earn an offer.
- Minimum
- $50,000
- Hold
- 3–5 years
- Distributions
- Quarterly or monthly
- Geography
- CT · RI · MA
What protects your principal: five layers, stacked on every loan.
The debt fund holds first lien on every property. Borrowers fund six months of interest into escrow before a hammer swings. Sixty days late triggers default and Clark St Homes completes the project under the lending agreement. Real recourse, locally enforced.
- 01
First-position mortgage
The fund holds a first lien on every property. We get paid before any equity holder sees a dollar.
- 02
Six months of interest in escrow
Borrowers fund six months of interest at closing. Months one through six are pre-paid before a single hammer swings.
- 03
Pre-vetted borrower bench
Seventy-five flippers built through Mike Meyer's commercial network. Minimum 660 credit and six months operating cash in reserve.
- 04
Default to takeover in 60 days
Thirty days late triggers penalty fees. Sixty days late triggers default and Clark St Homes completes the project under the lending agreement.
- 05
Connecticut only
Every loan is in our home state. Real legal recourse, real local knowledge, real foreclosure mechanics.
We don't analyze deals to find a yes. We kill deals that don't deserve one.
How we pick syndication deals
Our LPs are busy executives and business owners. The job is to sift the entire market, on and off, and bring back only deals worth their consideration. Three offers per hundred is the measure of that discipline.
100 deals enter the pipeline
- 01
60-Second Screen
Does it match what we buy?
20
advance
- 02
10-Minute Filter
Could the math possibly work?
5
advance
- 03
60-Minute Underwrite
Does the math actually work for our investors?
2
advance
- 04
Stress & Tour
Does the math survive bad scenarios?
1
advances
- 05
Investment Committee
Is this the best use of our investors' next dollar?
≈3
of 100 earn an offer
A note from the founder
When I bought my first property in 2011, a four-family on Clark Street in East Hartford for $99,000, I wasn't trying to build a real estate firm. I was trying to retire. A W-2 was never going to get me there fast enough.
For seven years, it was a side hustle. I'd flip a couple of houses, take the capital, buy another multifamily. Flip, buy, repeat. All while traveling 150 nights a year for tech companies in Silicon Valley like Coupa and DocuSign.
In late 2017, my rental income passed my W-2. That was the moment I knew I was free.
I want to tell you about the deal that almost stopped all of it.
We borrowed too much and didn't raise enough cash on a project. The math worked on paper. It didn't survive contact with reality. When the gap showed up, I had two options. Call the investors and ask them to take a haircut, or write a check from my own account and make them whole.
I wrote the check.
That deal cost me money. It also taught me the lesson that shapes how we underwrite every project at Clark St Capital today. Conservative leverage. Real cash reserves. The investor gets paid before I do. Always.
I went full-time into real estate in 2018. Since then, Clark St Capital has helped accredited investors, business owners and executives who want real estate exposure without becoming landlords, deploy capital into value-add multifamily, ground-up development, and debt projects across Connecticut and New England.
You built your business by understanding risk. You don't need another asset class explained to you. You need an operator who's already made the expensive mistakes on his own dime.
That's the job.
If you want to talk about whether what we do fits what you're building, schedule a call. Bring your questions. I'll bring my numbers.
Ed Mathews
Founder, Clark St Capital
“Investing with Clark St has allowed me to get involved in multifamily real estate in a way I could not have on my own.… My experience has been first-class: honest, professional, and aligned.”
The investor list
What I am watching.
Deal memos, market analysis, and the deals we pass on. Delivered when they matter, not on a cadence schedule.
Join accredited investors tracking Clark St's debt fund and Northeast multifamily underwriting.
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