Frequently Asked Questions

Harvey Capital is an investment company focused on creating value through inefficient markets in the real estate sector. We focus on an asset's underlying fundamentals and only invest when we are highly confident in our estimate of the asset's value, the odds of a successful outcome are tilted in our favor, and there is a significant margin of safety between the price we are paying and the expected value we are receiving. This discipline applies to everything we do — from the hard money loans we originate to the publicly traded real estate companies we invest in.

The Harvey Capital Income Fund is open to accredited investors as defined by the SEC under Rule 506(c). Generally, this means individuals with a net worth exceeding $1 million (excluding primary residence) or annual income exceeding $200,000 ($300,000 with a spouse) for the last two years. If you're unsure whether you qualify, we're happy to walk you through the requirements.

The minimum investment in the Harvey Capital Income Fund is $100,000.

Request the fund overview by filling out the form on our homepage. You'll need to confirm that you are an accredited investor. From there, we'll reach out to discuss your investment goals, walk you through the fund details, and determine if there's a good fit. You can also schedule a call directly through our Connect page or email [email protected].

Hard money lending is a form of private real estate lending where loans are secured by physical property. We provide short-term loans (typically 9-12 months) to professional house flippers and rental investors who are acquiring and renovating residential properties. Every loan is secured by a first-position lien on the property, and we maintain conservative loan-to-value ratios (70% maximum of after-repair value) to protect investor capital.

The Harvey Capital Income Fund targets 8.5% to 10% annual returns, paid monthly. Your rate is determined by the amount you invest: $100,000 earns 8.5%, $250,000 earns 9.0%, $500,000 earns 9.5%, and $1,000,000 or more earns 10.0%. These are targeted returns and are not guaranteed. Past performance is not indicative of future results.

We use several layers of protection. First, we maintain conservative loan-to-value ratios, lending no more than 70% of the after-repair value (ARV) of the property. This creates a 30% equity cushion. Second, we thoroughly vet every borrower — including their experience, financial capacity, and a soft credit pull. Third, all loans are secured by a first-position lien on the property. To date, we have experienced zero principal losses across over $4 million in originations.

Investors receive monthly interest distributions. Detailed loan-level statements are provided monthly through our investor portal so you always know exactly where your capital is deployed and how it's performing.

If a borrower defaults, we first attempt to work out a resolution. If that fails, we initiate a foreclosure sale — in Virginia, this is a non-judicial process conducted through a trustee auction. Because we lend at conservative loan-to-value ratios (70% of ARV or less), the 30% equity cushion provides significant room to recover the full loan amount, accrued interest, and legal costs. If the auction doesn't produce a satisfactory bid, we can take title to the property and sell it ourselves.

Zero. We charge no management fees, no investor fees, no administrative charges, and no expense ratios. All fund operating expenses are absorbed by the management company. Your return is your return — nothing is deducted from it.

Transparency is foundational to how we operate. We publish our complete lending track record on our website — every loan, every return, including any losses. Investors receive detailed monthly statements through our investor portal showing every active loan in the portfolio, its status, and their income for the period. We also publish regular updates on Substack. You will always know exactly where your money is and how it's performing.

Yes. Will invests his own personal capital alongside every investor. His financial outcome is directly tied to investor outcomes. This is the strongest form of alignment a fund manager can offer — when your capital is at risk, his is too.

Investors receive a 1099-INT by January 31 each year. There are no K-1s and no partnership tax returns to deal with. Your interest income is reported simply and delivered on time — a significant advantage over many private investment funds that issue K-1s in March or later.