CCL Properties LLC | Earn 12% Returns Backed by Real Property
CAPITAL PARTNERSHIP

Earn 12% Returns Backed by Real Property — Without Managing a Single Tenant

Co-living properties generate 2–3x the revenue of traditional rentals. That cash flow is what secures your lending position and pays your returns — on time, every time.

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First-Lien Secured
12% Fixed Returns
4–6 Month Terms
2.1x Debt Coverage
THE PROBLEM WITH YOUR ALTERNATIVES

Your Capital Has Better Options

Most passive real estate returns fall into one of three traps. Co-living lending avoids all of them.

Syndications Lock You In
5–7 year holds, capital calls, limited transparency, and you're last in line if things go wrong. Your money disappears into a fund and you hope for the best.
Turnkey Landlording Isn't Passive
You own the property, manage the PM, handle the surprises. Midnight calls, vacancy gaps, deferred maintenance. The "passive" part is a myth.
Savings Accounts Lose to Inflation
4–5% APY sounds safe until inflation takes 3%. Your real return is barely positive, and your capital isn't building anything.
TWO WAYS TO INVEST

Choose Your Structure

Whether you want fixed returns or equity upside, there's a structure that fits your goals.

PRIVATE MONEY LENDER
Fixed 12% Returns
Lend on specific properties with first-lien security. Know exactly what you'll earn, when you'll earn it, and what protects your capital.
  • 12% annualized interest, paid monthly
  • First-lien position on the property
  • 4–6 month typical terms
  • No points or origination fees
  • Full AI analysis before you commit
  • Exit via DSCR refinance
EQUITY PARTNER
50/50 Ownership Split
Own half the property. Earn ongoing cash flow plus appreciation. Capital returned via refinance, then long-term passive income.
  • 50% ownership stake in the property
  • 50% of net cash flow, ongoing
  • Capital returned via cash-out refi (year 1–3)
  • 50% of appreciation on exit
  • Tax benefits (depreciation, write-offs)
  • David's personal guarantee on capital return
SAMPLE DEAL

What a Real Deal Looks Like

Every deal includes the full AI-powered analysis before you commit a single dollar.

4 BR / 2 BA — Hickory, NC
Sample Deal
Purchase Price
$185,000
Renovation
$45,000
Total Investment
$230,000
Your Lending Position
$180,000
Monthly Revenue (Co-Living)
$3,800
Term
6 Months
Your Return (PML)
12%
$10,800 / year annualized
Debt Service Coverage
2.1x
Cash flow covers your payment 2.1 times

Numbers are representative of actual deal structures. Every deal is AI-analyzed and shared in full before you fund.

YOUR CAPITAL IS PROTECTED

Four Layers of Protection

First-Lien Position
Your investment is secured by the physical property. If anything goes wrong, you have first claim on the asset. Your capital is never unsecured, never subordinated.
AI-Verified Underwriting
Every property runs through our AI before we pursue it: zoning verification, market comparables, renovation scope, and cash flow projections from 6+ data sources. We don't guess — we verify.
2–3x Revenue Advantage
Co-living generates dramatically more revenue than traditional rentals on the same property. That revenue surplus is your margin of safety — 2.1x debt service coverage means the cash flow covers your payment twice over.
Full Transparency Before You Fund
You see the property, the AI analysis, the renovation plan, the timeline, and the numbers before you commit a single dollar. No black box. No surprises. No hidden fees.
WHO YOU'RE LENDING TO

25+ Years of Systems & Analytics. Real Estate Since 2019.

David Ross spent 25+ years in systems development, analytics, and strategic leadership at Wells Fargo, GE Plastics, Delhaize, and Volex before launching co-living operations in 2019. He understands capital markets, risk management, and fiduciary responsibility — because he spent his career on your side of the table.

This isn't a first-timer asking you to fund experiments. CCL Properties has documented systems, AI-powered analysis tools, and 11 real estate deals. The community co-living model has demonstrated 97% occupancy and 26+ month average stays.

"We only make money when you make money. Every deal is structured so our interests are aligned — that's not a tagline, it's the business model."
— David Ross, Founder & CEO
25+
Years Professional Experience
2019
Co-Living Since
97%
Model Occupancy
26+
Month Avg Stay
COMMON QUESTIONS

Questions Investors Ask

PML positions typically range from $125K–$180K per deal, covering the acquisition and renovation. PMP equity partnerships start around $150K. We'll discuss your specific goals and find deals that match your capital availability.
PML loans are repaid when the property refinances into a long-term DSCR loan, typically within 4–6 months. PMP equity partners get capital returned via cash-out refinance within 1–3 years, then continue earning passive income from their ownership stake.
As a PML, you hold first-lien position on the property — if anything goes wrong, you have first claim on the real asset. The 2.1x debt service coverage means the property generates more than double what's needed to cover your payments. For PMP partners, David provides a personal guarantee on capital return by year 4.
Syndications pool your money with dozens of investors, lock you in for 5–7 years, and give you limited visibility into operations. With CCL Properties, you fund specific properties you've reviewed, hold a direct lien or ownership stake, and operate on 4–6 month terms (PML) or with a clear exit path (PMP). You see every dollar, every month.
Absolutely. When your PML loan is repaid, you can roll that capital into the next deal in our pipeline. Many of our capital partners fund multiple properties over time, building a portfolio of short-term, high-yield positions.

Ready to Put Your Capital to Work?

No pitch, no pressure. Let's talk about your goals and see if there's a deal that fits.

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Affordable Housing Meets Real Community
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