MTX Direct is a membership-based investment platform that converts everyday consumer spending into performing mortgage note cash flows.

Secured Cash Flow Portfolio

Browse Series

Reserve your spot once — your round-ups and cashback draw down your commitment as capital is called for each acquired note. Spots fill in pledge order, and each series has a limited membership cap. Pledge early so you're near the front of the line when notes are acquired.

Waitlist is active. Pledges are called in the order they're made. When a note is acquired, members at the front of the line get their capital called first — keep your funding source ready so your spot isn't passed to the next member.

Series #1 · Now Pledging

MTX Direct — First Designated Series

Performing Mortgage Note Portfolio

Your single pledge backs every note this series acquires — diversified across cities, borrowers, and property types. Capital is called only when a vetted note is ready to close.

Acquisition Criteria

Every note must clear this bar before capital is deployed

Target Net Yield

8–12%

Anything below the gate doesn't get acquired

Max Loan-to-Value

Under 75%

Built-in collateral cushion before the property is at risk

Discount to Balance

10–25% off

We buy each note below its unpaid balance

Geographic Focus

Diversified

Northeast, Mid-Atlantic & Sun Belt markets

In plain English: we only buy notes that already pay 8%+ a year, we never pay more than 75% of the property's value, and we buy at a 10–25% discount to what the borrower owes — so even if a borrower stops paying, the property is worth more than we paid for the note. Your pledge spreads across several of these, so one bad borrower can't sink the series.

What This Looks Like in Practice

Representative deals that clear the bar above

Boston, MA

11.2%yield·24% off

$95,000 · 68% LTV

Baltimore, MD

9.8%yield·19% off

$71,000 · 72% LTV

Richmond, VA

10.5%yield·20% off

$168,000 · 65% LTV

One pledge. Every note in the series.

Minimum $10 · Membership cap applies · Capital called as notes close

Reserve My Spot

Coming in Future Series

Series #2+

Series #1 acquires performing mortgage notes — fixed-term cash flows that pay down over time. Future series will acquire cash-flowing businesses — infrastructure assets that generate recurring revenue indefinitely, with no payoff date.

Laundromats

Self-Storage

Car Washes

Vending Routes

Same pledge model — one commitment, automated drawdowns via round-ups and cashback. Notify me when Series #2 opens.

Yield-Bearing Cash Flows

Each secured cash flow generates monthly income. Your commitment funds your share of every note the series acquires.

Automatically Vetted Deals

Every secured cash flow is automatically scored for LTV, borrower quality, and market conditions before being approved.

Property-Backed Returns

Every cash flow is secured by real property — even in default, the collateral protects your position. We buy each note at a discount to its property value, so there's built-in cushion before that collateral is at risk. And each series spreads your pledge across several notes, so if one borrower goes sideways, one bad apple won't spoil the whole barrel.

EMUs are digital participation units, not securities. Participation involves risk. Platform participation agreement applies.