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Rock Solid is transforming real estate investing by providing secured, high-yield lending opportunities backed by property.

By investing, you're not only securing consistent, high returns but also diversifying your portfolio with a professionally managed, real estate-focused fund.

Frequently Asked Questions

What Does Rock Solid Capital Investments LLC Specialize In?

Rock Solid Capital Investments LLC is a Wyoming-based real estate lending fund that issues secured loans to experienced real estate investors for the acquisition and renovation of properties. These are commonly known as "hard money loans" and are secured by notes and mortgages (or deeds of trust) filed against the subject properties. Loans are primarily short-term rehabilitation projects on residential properties including single-family homes, duplexes, triplexes, quadplexes, condos, and townhomes, though the fund may also lend on select commercial properties and automobiles. Your investment is diversified across the fund's entire loan portfolio rather than tied to a single property, which helps spread risk and stabilize returns. As the fund grows, the Manager may also expand into gap funding, transactional loans, or preferred equity positions when doing so is in the best interest of the Company.

What Is the Minimum Investment Amount?

The minimum investment is $50,000, which corresponds to 5,000 investment units priced at $10.00 each. The Manager may, at its sole discretion, accept investments below this minimum. You can also add additional funds at any time after your initial investment.

How Are Returns Structured?

Investing Members receive a preferred return based on the size of their investment, structured in tiers:

• 20% annualized preferred return - Investments up to $100,000

• 22% annualized preferred return - Investments up to $250,000

• 26% annualized preferred return - Investments above $1,000,000

Your preferred return is cumulative and non-compounding (unless you elect to compound). Returns begin accruing within 30 days of the Company's receipt of your funds, and distributions are targeted on a monthly basis at the Manager's discretion. If a monthly distribution is not made, returns accrue and are paid in arrears. If you add funds that bring your balance into the next investment tier, your entire balance will begin receiving the returns associated with that higher tier.

Can I Choose Between Monthly Distributions and Compounding?

Yes. Through your investor portal, you can elect to receive monthly distributions deposited directly into your bank account, or you can choose to compound your returns by having distributions added to your capital account with the Company. You can switch between these options at any time.

How Does Rock Solid Ensure the Security of My Investment?

The fund employs multiple layers of protection for investor capital. Every loan is secured by a note and mortgage (or deed of trust) filed against the subject property, primarily in first position but occasionally in second position.

The fund follows a disciplined underwriting rule: the maximum loan amount does not exceed 70% of the property's After-Repair Value (ARV) minus estimated renovation costs. Property values are verified through Broker Price Opinions (BPOs) or independent appraisals, and renovation funds are released in stages contingent on documented proof of completed work. The Manager may also require personal guarantees from borrowing principals. In the event of a borrower default, the fund retains the right to foreclose and will either wholesale the property to an experienced rehabber or manage the rehabilitation and resale directly.

Can I Withdraw My Investment?

Yes, subject to certain conditions outlined in the Private Placement Memorandum. All Investing Members are subject to a twelve-month lock-in period from the date of their initial subscription, during which capital must remain with the Company.

After the lock-in period has expired, you may request a return of any portion or all of your capital by submitting a written redemption request to the Company. For redemption requests under $500,000, the Manager will return your capital as soon as possible, and in any event no later than 90 days after receipt of your written request. For redemption requests of $500,000 or more, the Company may, at the Manager's discretion, return capital over an extended period and across multiple payments based on the status of the Company's loans and other redemption requests.

There is no penalty for withdrawing any portion or all of your investment after the lock-in period. Your preferred return will continue to accrue on any remaining invested capital and will be reduced proportionally as capital is returned. Please note that in extraordinary circumstances-such as a higher-than-typical volume of redemption requests-the Manager reserves the right to restrict, halt, or prorate redemptions in the best interest of the Company and all of its members.

Important: Adding additional funds after your initial investment does NOT restart the twelve-month lock-in period.

What Makes Rock Solid Capital Unique?

Rock Solid Capital differentiates itself from many real estate funds in several key ways. The fund targets preferred returns of 20% to 26% annually, which is significantly higher than most comparable offerings, made possible by the fund's focus on high-yield, short-term hard money lending. The initial commitment is just twelve months, compared to the multi-year lock-ups common in many private real estate funds. After the lock-in period, investors have a 90-day liquidity option to request their capital back-a level of flexibility that is uncommon in this asset class. And because your investment is diversified across the fund's entire portfolio of loans rather than a single property, your risk is spread across multiple projects, borrowers, and markets.

How Can I Get Started?

This offering is available exclusively to accredited investors under SEC Rule 506(c) of Regulation D. To invest, you will need to:

1. Complete and sign the Subscription Agreement indicating the number of investment units you wish to purchase.

2. Complete and sign the Suitability Questionnaire verifying your accredited investor status.

3. Wire your investment amount to the Company's designated account.

Once your subscription is accepted, you will receive confirmation and your investment will begin accruing returns within 30 days of the Company's receipt of your funds.

What Is an Accredited Investor?

Under SEC rules, an accredited investor includes, among other categories: a natural person with a net worth exceeding $1,000,000 (excluding primary residence, home furnishings, and automobiles); a natural person with income exceeding $200,000 in each of the two most recent years (or $300,000 jointly with a spouse) with a reasonable expectation of the same in the current year; a holder of a Series 7, Series 65, or Series 82 securities license in good standing; or a trust with assets exceeding $5 million. Additional qualifying categories exist under Regulation D. Because this is a 506(c) offering, the Company is required to take reasonable steps to verify your accredited investor status.

The Returns Seem Very High - How Is That Possible?

This is one of the most common questions we hear, and it's a fair one. The answer lies in how hard money lending works.

The fund lends capital to real estate investors at premium interest rates and points for short-term renovation projects-typically six to nine months.

The 20% to 26% preferred return to investors is a function of the spread between what the fund earns from its borrowers and its operating costs. The fund's underwriting discipline-including the 70% ARV rule, borrower vetting, and staged renovation disbursements-is designed to protect capital while generating these returns. That said, as with any investment, returns are targeted and not guaranteed. Prospective investors should carefully review the Risk Factors section of the Private Placement Memorandum.

What Is Your Track Record?

Rock Solid Capital Investments LLC is led by Eric Zwigart, an experienced operator in the real estate acquisition and renovation space through Rock Solid Asset Partners LLC. Eric brings direct experience in analyzing market trends, identifying high-potential properties, and evaluating borrower quality. The management team's hands-on operational background in real estate underpins the fund's lending strategy and borrower underwriting process. Prospective investors are welcome to discuss the fund's lending history and operational track record directly with management as part of their due diligence.

Can I Review the Fund's Financials?

The Company makes available to prospective investors the opportunity to ask questions and receive answers concerning the terms and conditions of the offering, the business and operations of the Company, and to obtain additional information to the extent the Company possesses such information. Projected financial information, including a Profit and Loss Statement, is included as part of Exhibit C in the Private Placement Memorandum. For questions about specific financial performance or lending history, we encourage you to reach out to management directly.

Can I Speak with Other Investors?

We understand the importance of trust when making an investment decision, and this request comes up often, usually from investors who are genuinely interested and doing their homework. While we respect the privacy of our existing members, we are happy to facilitate introductions where appropriate and with permission. Please reach out to our team directly to discuss this, and we will do our best to connect you with members willing to share their experience.

What Happens If Something Goes Wrong with a Loan?

Because your investment is diversified across the fund's entire loan portfolio, the impact of any single default is spread across all investors rather than concentrated in one project. Additionally, the fund's underwriting standards-including the 70% ARV maximum loan rule, staged renovation disbursements, and borrower vetting-are specifically designed to minimize the likelihood and severity of losses.

That said, hard money lending and real estate investment carry inherent risk, and there is no guarantee against loss of principal. Investors should review the Risk Factors section of the PPM thoroughly before investing.

How Do I Know My Money Is Safe Once I Wire It?

Once your subscription is accepted and funds are received, your investment is recorded in the Company's books and you become an Investing Member (Class A, B, or C based on your contribution level). You will have access to an investor portal where you can track your investment, view distributions, and manage your account settings including your distribution preferences.

Your capital is protected structurally through the fund's secured lending model - every loan is backed by a note and mortgage on real property. Investing Members also receive a liquidation preference, meaning that in any dissolution or winding up of the Company, investors receive the return of their accumulated preferred returns and capital contributions before any distributions are made to the management (Class D) members.

Why Don't You Just Borrow from Banks or Traditional Hard Money Lenders?

Rather than borrowing from banks and re-lending at a spread (which would add leverage risk and reduce flexibility), the fund raises capital from investors and deploys it directly into secured, short-term loans.

This structure gives the fund full control over underwriting, loan terms, and collection-without the overhead, restrictions, or institutional timelines that come with bank financing. It also means that investor capital is secured directly by the underlying real estate, not by a chain of intermediary obligations.

Why Are You Paying Investors Such a High Percentage?

The preferred return to investors reflects the economics of the hard money lending market. Borrowers seeking short-term rehabilitation loans accept higher interest rates and points because they need capital quickly, on flexible terms, and without the lengthy approval process of traditional lenders.

The 22% to 26% preferred return, while higher than many traditional fixed-income investments, is achievable within this lending model because of the short duration of each loan (typically six to nine months), the ability to recycle capital across multiple deals per year, and the premium pricing that hard money borrowers are willing to pay. The key risk trade-off is that these are illiquid securities in a private fund, not a bank deposit or public-market bond-and the returns reflect that risk premium.

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