United Legacy Income Fund LP
A private debt fund designed for stability and long-term wealth preservation through periodic returns, secured by real estate in America’s strongest markets.
*Stability refers to the fund’s structural design, not a guarantee of returns. The targeted 9% preferred return is subject to fund cash flow availability.
How the Fund Is Organized
The Fund
United Legacy Income Fund LP - A California limited partnership registered under Reg D 506(c) with the SEC. The fund originates, acquires, and manages loans secured by real estate across the Western United States.
General Partner
Summit Yield LLC - A Wyoming limited liability company led by Mehdi Amini and Tomas Schoff. Responsible for all investment decisions, fund management, and loan origination oversight.
Your Role as a Limited Partner
As an investor, you become a Limited Partner of the fund. You contribute capital, select your distribution election (cash or reinvest), and receive quarterly returns. The General Partner handles all lending operations, risk management, and fund administration.
Earn Like the Lender
Every real estate loan generates contractual interest, secured by the property itself. The fund originates those loans, and as a Limited Partner, your capital earns from the interest those borrowers pay. You’re in the lender’s seat. The fund handles everything else.
Your investment, our expertise.
Where Your Capital Goes
The fund lends in supply-constrained coastal markets where limited land,
strong demand, and diversified economies support resilient property values.
San Diego, California
3,980 active listings (Jan 2026). Supply-constrained coastal market with diversified economy.
Sources: SD Housing Market / Compass (Jan 2026), The Luxury Playbook (2026), FRED / Realtor.com (Jan 2026)
Oahu (Honolulu County)
712 SFH + 2,297 condos listed (Jan 2026). Island geography limits supply. Military, tourism, and residents sustain demand.
Sources: Locations Hawaii / HiCentral MLS (Jan 2026), Zillow / Formatic Property Mgmt (Oct 2025)
How Your Investment Is Protected
Your capital is protected by the asset behind it. Strategic lending, real collateral, and multiple layers of coverage stand between your investment and risk.
Your Investment Is in Trusted Hands
Verifiable on EDGAR.
Securities & fund formation counsel.
Independent fund administrator.
Title insurance & escrow (CA).
Title insurance & escrow (HI).
Premier private loan servicer.
How Your Returns Flow
No broker-dealers, no placement agents, no middlemen. We prefer to give you the preferred return.
Your targeted 9% is paid before any GP profit participation. The 1% management fee is covered by the yield spread, not deducted from your distributions.
Any excess distributable cash after the LP preferred return is distributed to the General Partner. See the Private Placement Memorandum for the complete waterfall.
Who Manages the Fund
Mehdi Amini
Member, Summit Yield LLC (General Partner)
Role in the Fund: Oversees capital markets strategy, investor relations, and overall fund direction. Responsible for the firm’s capital raising activities and strategic partnerships.
Relevant Experience: $7.3B+ in lifetime capital transactions. 30+ years in capital markets, real estate, and alternative investments. Inc. 500 recognized company builder.
Tomas Schoff
Member, Summit Yield LLC (General Partner)
Role in the Fund: Leads project due diligence, credit underwriting, and debt strategy. Chairs the Investor Committee overseeing lending decisions and portfolio risk management.
Relevant Experience: 21+ years in commercial and residential RE transactions. Schoff Family Office legacy in real estate since the 1970s. Self Storage Hall of Fame family.
Full leadership team profiles available at unitedlegacyus.com/about
Personalized Service, Start to Finish
Every investor is assigned a dedicated team committed to attentive, human-focused service. From your first consultation through every quarterly distribution, these are the people who make it happen.
Bryce England
Director of Private Client Dept.
Kian Teymori
Sr. Associate, Investor Relations
Jose Perez
Sr. Associate, Investor Relations
Antonella Pastor
Client Portfolio Manager
Alexandra Betron
Investment Processor
Najee Malham
Investment Processor
Income Fund Track Record
Specific to the United Legacy Income Fund LP - since inception November 2023. Data as of December 31, 2025.
Fund Growth
2025 Distributions
Data as of December 31, 2025. Past performance does not guarantee future results. The 9% preferred return is subject to fund cash flow availability. Fund cash flow is generated from contractual borrower interest payments on real estate-secured loans.
Back Your Retirement
With Real Assets
We welcome IRAs and 401(k)s. If you hold retirement funds you’d like to put to work in the fund, we can introduce you to our preferred self-directed custodians who handle the process.
Step 1
Open a self-directed IRA with a qualified custodian. We’ll connect you with our preferred partners who specialize in alternative asset accounts.
Step 2
Transfer or roll over existing retirement funds to your new self-directed account. Your custodian manages this process directly.
Step 3
Instruct your custodian to invest in the fund. All tax treatment questions should be directed to your custodian or tax advisor.
See What Your Investment Could Earn
Based on the fund’s targeted 9% annualized preferred return, here’s what four common investment levels could produce over a full 5-year horizon, both as cash income and with quarterly reinvestment.
| Investment | Yr 1 Income | Yr 2 Income | Yr 3 Income | Yr 4 Income | Yr 5 Income | Total Cash (5 Yr) | 5-Yr Reinvested Value |
|---|---|---|---|---|---|---|---|
| $100,000 | $9,000 | $9,000 | $9,000 | $9,000 | $9,000 | $45,000 | $156,051 |
| $250,000 | $22,500 | $22,500 | $22,500 | $22,500 | $22,500 | $112,500 | $390,127 |
| $500,000 | $45,000 | $45,000 | $45,000 | $45,000 | $45,000 | $225,000 | $780,255 |
| $700,000 | $63,000 | $63,000 | $63,000 | $63,000 | $63,000 | $315,000 | $1,092,356 |
Reinvested values assume quarterly compounding at 9% annualized (2.25% per quarter). Cash income assumes quarterly distribution election. The 9% preferred return is not guaranteed and is subject to fund cash flow availability. Projections are hypothetical and for illustrative purposes only. Past performance does not guarantee future results.
Before You Invest
The minimum investment is $100,000 (one LP share). The fund has a 3-year term with two optional 1-year extensions. Early withdrawals are available on a hardship basis at the General Partner’s discretion, subject to a 5% penalty. Additional investments can be made in $1,000 increments.
Your targeted 9% preferred return begins accruing upon your admission into the fund as a Limited Partner, as defined in the Limited Partnership Agreement. Returns are pro-rated from your admission date through the end of the then-current quarter. Capital is deployed into real estate-secured loans as suitable opportunities are identified. First distributions began January 1, 2025, for existing investors.
No. The fund targets a minimum 10% asset yield on every loan. The 1% management fee is covered by the spread between the asset yield and your targeted 9% preferred return, not deducted from your distributions.
A borrower default means the borrower failed to repay their loan, not that the fund failed to pay investors. When it does happen, the fund holds a secured first-lien position and can pursue foreclosure to recover principal. Conservative LTV ratios mean the property is typically worth significantly more than the loan balance.
REITs invest in equity (property ownership) and are subject to stock market volatility. The Income Fund invests in debt (loans). Your returns come from contractual interest payments, not property appreciation. The fund is not publicly traded, so there is no daily price fluctuation on your investment.
No. Our Private Client Portal offers a streamlined accreditation verification process that satisfies SEC requirements. You’ll be guided through each step, and our investment processors are available to assist throughout.
Ready to Take Control of Your Financial Future?
Meet with our Investor Relations team. We’ll answer your questions and model potential returns based on the fund’s targeted preferred return. Or explore the Data Room for full offering terms, distribution waterfall, loan-level strategy, and compliance documentation.