What It Means to Invest With Us

Being one of fifty means something. Being one of five hundred means nothing.

There are funds that take your capital, send you a K-1, and call that a relationship. GMI Capital is not one of them. Here is what you actually get when you invest with us.

You have built the life. We generate the cash that lets you live it.

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The Circle

A deliberately small circle. A permanent standard.

GMI Capital keeps its investor circle small not because the fund requires it, but because the relationship requires it. At this stage of Fund III, that means approximately 50 investors. The goal is a company where the GMI team knows every person in the circle personally: their situation, their goals, their philosophy about capital. That standard holds as the company grows.

When something happens in the portfolio, you do not get an automated email. You get a call from Francis or the team. For our investors with $3M+ committed, when there is a co-investment opportunity, you hear about it first. When markets shift, you get GMI’s and Francis’ actual view, not a PR-approved statement.

Being part of this circle means something. Being a number in a CRM does not.

What You Receive

Quarterly distributions. Transparent reporting. Direct access.

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Quarterly cash distributions

Interest income generated by the loan portfolio is distributed quarterly. You do not wait for a liquidity event to see your return. It arrives in your account four times a year.

Quarterly cash distributions

Interest income generated by the loan portfolio is distributed quarterly. You do not wait for a liquidity event to see your return. It arrives in your account four times a year.

Transparent fund reporting

You receive detailed reporting on the portfolio: which loans are active, what the LTV is on each, how the fund is performing against targets. One family office described our reporting as far better than what he has experienced with large institutional funds. We take that seriously.

Transparent fund reporting

One-to-one fund updates

The GMI team conducts personal fund updates with each investor throughout the year. Not a group call. Not a webinar. A direct conversation about your capital and how it is performing.

One-to-one fund updates

The GMI team conducts personal fund updates with each investor throughout the year. Not a group call. Not a webinar. A direct conversation about your capital and how it is performing.

Direct access to the principal

If you call us once a week, we welcome it. Francis's direct contact information goes to every investor. That access is the point, not a feature.

Direct access to the principal

If you call us once a week, we welcome it. Francis's direct contact information goes to every investor. That access is the point, not a feature.

Market intelligence

You get GMI’s and Francis's real view on what is happening in our markets, product types, and real estate capital markets. He and team are inside the deals, talking to borrowers, underwriting assets across five states. That perspective has value beyond the financial return.

Market intelligence

The Relationship

Business relationships that feel like something more.

Francis does not manage investor relationships from behind a desk. He builds them over golf rounds, dinners, group events, and one-to-one conversations. Some of his investors have become genuine friends. That is not a coincidence. It is the design.

Investors in GMI Capital share a circle with others who share their philosophy. Patient capital. Preservation first. Real assets backing every dollar. The kind of people who understand that a 12% to 14% target IRR with conservative underwriting is better than a pro forma 20% backed by speculation.

Why Cash Flow Matters

You have built the life. We generate the cash that lets you live it.

GMI Capital has spent years working with family offices and high-net-worth investors. The same pattern appears repeatedly: extraordinary wealth, extraordinary assets, and a persistent problem. Cash. A $100M portfolio concentrated in equities generates very little liquidity. The lifestyle costs money. Assets have to be sold to fund it.

The investor proposition is not complicated. Put $2M with us. Receive approximately $200,000 to $300,000 per year in quarterly distributions. Use that cash flow to fund the life you have already built, without selling the assets that took decades to accumulate.

Is This Right for You

GMI Capital is right for a specific kind of investor.

[ 01 ]

You are an accredited investor as defined by the SEC.

[ 02 ]

You have patient capital. You are not investing money you will need back in six months.

[ 03 ]

You value capital preservation. You would rather make 12% consistently than chase 25% speculatively.

[ 04 ]

You understand real estate as an asset class and you are comfortable with a secured debt position.

[ 05 ]

You want a relationship with your capital manager, not just a portal.

[ 06 ]

You appreciate transparency. You want to see the loans, the LTVs, the borrower profiles, and the performance data.

If that sounds like you, we want to talk.

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Learn from our happy investors

I lead investments for a multi-billion dollar family office and have been personally investing with Francis for five years. He and his team say what they can do and do what they say they are going to do. That is rare. The risk-adjusted returns are some of the best I see in the markets.

Clayton Jones

Lead Investment Officer, Multi-Billion Dollar Family Office

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I built and ran a regional brokerage firm with 3,500 agents and employees. This is my third sizable fund investment with Francis and his team. What I love besides the quarterly cash flow is the fund reporting and strict loan metrics they adhere to. They are also totally transparent, far better than I have experienced with large institutional funds.

Mark Stark

Founder and Former CEO, Regional Brokerage Firm

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Brad Boe

Ex Regional President, DR Horton

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