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Earn a fixed interest rate as a private lender

Are you looking for an alternative to the volatility of the stock market or the relatively low returns on bonds? Generate a predictable return on investment of 12% or more per year through short-term promissory notes!
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New Scotland Development Companies consistently comes across discounted, off-market real estate investment opportunities.

We prefer to raise the capital for acquisition through potential private lenders like yourself! Acquiring discounted income properties in stable rental markets allows us to prioritize capital preservation for our investors. We also prioritize investment opportunities that provide opportunities to add value to the property through improved management and operations, as well as forced appreciation through renovations. We do not bet on market swings – we invest for cash flow and value.

Looking for Passive Investments? Click here.

Benefits of investing with New Scotland Development Companies

  • Highly competitive, risk-adjusted returns – a great alternative to the stock market
  • Predictable monthly payments
  • Shorter investment terms compared to other real estate investments; typically 18-60 months based on the business plan for each property
  • Use your self-directed IRA (traditional or Roth), or rollover funds into one
  • Predictable return of your investment capital at maturity of your note
  • Upon maturity, you can roll your investment capital into another promissory note investment with us so you don’t miss out on returns!

Current Terms

  • Minimum investment: $50,0000
  • Note interest rate: 12% or more
  • Interest payments: Monthly
  • Note term: 18-60 months
  • Principal repayment: Upon maturity

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    Frequently Asked Questions

    Yes, investors are able to use self-directed IRA accounts (traditional and Roth). Investors who use a self-directed IRA to invest with us use the services of a custodian (see definition below) to handle paperwork and manage the IRA account.

    A custodian is a company like a bank, credit union, brokerage, or another type of entity approved by the IRS to act as a trustee. A custodian will assist an investor with the execution of a self-directed IRA investment in a promissory note.

    There is typically a minimum investment of $50,000, but this is subject to change and could change from opportunity to opportunity.

    A promissory note is a commonly used, legally-binding agreement to pay the noteholder (you) interest at specific terms, and to repay the principal balance at a predetermined date known as the maturity date.

    At this time, New Scotland Capital is only accepting investments from accredited investors as defined by the SEC in Rule 501 of Regulation D. See below for a more detailed definition.

    The term, accredited investor, as defined by the SEC in Rule 501 of Regulation D, includes any natural person with a net worth exceeding $1,000,000 or with income exceeding $200,000 in each of the two most recent years. The definition also includes spouses with joint net worth exceeding $1,000,000 or joint income exceeding $300,000 in each of the two most recent years. See the full definition at: https://www.ecfr.gov/cgi-bin/retrieveECFR?gp=&SID=8edfd12967d69c024485029d968ee737&r=SECTION&n=17y3.0.1.1.12.0.46.176

    Fill out the form above to receive more information and schedule an informational call!
    Interested in investing in larger apartment and commercial real estate deals as a passive investor? Click here to learn more!
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