About
AAI Capital offers accredited investors direct access to professionally underwritten, first-lien, short-term real estate loans in Washington, Oregon, and Idaho.
We combine decades of local lending experience with conservative underwriting and full-cycle servicing to deliver dependable monthly income — without the headaches of property ownership.
Our Lending Focus
Why Investors Choose AAI Capital
- First-lien collateral on every loan
- You select individual deals — no blind pool
- Minimum $100,000 per loan (fractional ownership of the property not required)
- Short-term exposure with defined exit strategies
- Passive monthly income paid directly to you
- Full transparency — your name on the promissory note and deed of trust
- Conservative LTV and disciplined, asset-based underwriting
- Monthly updates and clear communication
How the Process Works
1. Request the pitch deck
2. Confirm your accredited investor status
3. Receive new loan opportunities as they arise
4. Review and fund only the deals you like (minimum $100,000 per loan)
5. Earn monthly interest while we handle underwriting, closing, servicing, and payoff
Our Team
Matthew Russell
Founder & CEO
18+ years in banking, commercial lending, accounting, finance, and investor relations.
Jay Cook
VP of Credit
Former commercial banker with 20+ years originating and structuring real estate loans across the Pacific Northwest.
Lydia Hester
Commercial Loan Servicer
15+ years in private lending operations, investor reporting, and loan administration.
Accredited Investor Requirements
Opportunities are offered exclusively under Rule 506(c) of Regulation D to verified accredited investors who generally meet one of these criteria:
Ready to explore current opportunities?
We’ll confirm your accredited status and share available loans and next steps.
This page is a high-level summary and not an offer to sell or a solicitation to buy securities. Full details are provided only through confidential offering materials (PPM, subscription documents, etc.) to verified accredited investors.
Private placement exempt under Rule 506(c) of Regulation D.
Not registered with the SEC.
All subscribers must provide third-party verification of accredited status.
Contact Us
Please provide your contact information to learn more about our investment opportunities.
Let's talk.
We are knowledgeable, easy to talk to, and give free advice.
Please contact us to see how we can work together.
Or email us.