HRU MIC
Investment Fund Series B-1

8.5% + bonus

Net Annual Yield

18 Months

Lock-In Period

Product Details

HRU MIC Investment Fund Series B-1 provides mortgage borrowing solutions to Canadian Citizens, New Immigrants, and Non-Immigrants. Through property security on first or second mortgages, the fund focuses on the purchase, refinance, bridge, and renovation. This solution utilized high diversification and fixed income strategy to create a stable, safe, and timely return. Base on HRU Financials’ strict and precise underwriting guidelines, we adapt to a highly decentralized risk model and mortgage combination to maximize our performance and minimize our risk. Our loan to value on the portfolio is a maximum of 75% only, which is comparatively lower than the “BIG FIVE” banks. With mortgage terms typically less than a year, we can adjust our lending and portfolio actively to avoid potential future risks.

Low - Medium

- Risk Tolerance -

$50,000,000

- Maximum Offering-

$10,000

- Minimum Investment-

1.5%

- Management Fee -

Non-Reg & Reg

- Suitable Account -

$5,000

- Minimum Addition-

Monthly

- Distribution -

October 2016

- Inception Date -

Secured Assets

HRU MIC Investment Fund Series B-1 is designed to diversely invest in quality real estate property located in the greater ontario area. Historical Portofio Detail Below:

Loan To Value

Loan to Value is the ratio between mortgages and property market value, the best-managed loan to value can significantly lower risk for our investors and secure asset value against investment. HRU MIC Investment Fund B-1 concentrates its loan-to-value at approximately 75%, for example, if the borrower has a property appraised at $1 million, the maximum summation of all mortgages is around $750,000. It effectively decreases the mortgage default risk.

Property Distribution

Our Invested Properties are across Ontario, this risk management method of geographical diversification lowers our risk of market fluctuation drastically. Historical Data are below:

Real-Time Performance Tracker

301 - 7300 Warden Ave, Markham, ON L3R 9Z6

Canada

E: info@hrufinancials.com

P: (647)360-8996

F: (647)360-7669

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