Invest in High-Yield Mortgages Starting at Just $5,000
Access institutional-quality mortgage investments with low minimums and monthly returns.
Fully Compliant
SEC-regulated security tokens ensure transparency and investor protection.
Institutional-Grade Vetting
Every mortgage is evaluated using the same rigorous underwriting standards used by Wall Street funds.
Monthly Returns
Unlike traditional real estate investments, you receive monthly income distribution directly to your account.
See How It Works
Wall Street's Secret Is Now Accessible to You
For decades, interest income from mortgages has been reserved for large institutional investors with hundreds of thousands of dollars to invest. Allonge changes that.
How It Works:
- ✓ Fractional Ownership – Invest from $5,000 instead of $400,000+
- ✓ Curated Portfolio – We source and vet Scratch & Dent mortgages from our network of 4,000+ lenders
- ✓ Monthly Income – Receive your share of monthly interest and principal payments
- ✓ Simple Platform – Manage your investments through an intuitive web and mobile app
Our Edge: With 32+ years of combined mortgage industry expertise, our team knows how to identify and acquire low-risk, high-yield mortgages that deliver 6-8% annual returns.
What Are Scratch & Dent Mortgages?
Scratch & Dent mortgages are loans with minor underwriting or documentation defects—not payment issues or borrower defaults. Think of them as perfectly healthy mortgages that couldn’t be sold to traditional buyers due to paperwork technicalities.
The Opportunity:
- Borrowers are current on payments – No missed payments or defaults
- Properties are valued and secure – Real assets backing every loan
- Vetted with institutional-grade standards – Rigorous underwriting process
- Sold at a discount due to minor technical issues – Not risk, just paperwork
- Higher yields for investors who know where to find them – 6-8% annual returns
By The Numbers
$5,000
Minimum investment
(down from $400K+)
6-8%
Annual yield with
monthly distributions
32 Years
Combined mortgage
expertise
4,000+
Lender network to
source from
Download the Investor Packet
Get the full overview — how Allonge works, what Scratch & Dent mortgages are, and how to get started as a closed beta investor.
Pain Point: Lender Losses & Market Inefficiency
Minor underwriting errors block loan sales
Capital tied up, slowing new originations and raising costs
Wholesale buyers monopolize the buy side and depress prices
$7B annual cost of inefficiencies; 4K+ companies impacted
Pain Point: Retail Investors Lack S&D Visibility & Access
S&D loans yield comparable returns but sell at a discount
Minimum investments are hundreds of thousands of dollars
Retail investors cannot discover or buy these assets today
Investors miss out on acquisition discounts and strong yields
How to Get Started
01
Register
Create your account and verify your accredited investor status through our secure portal.
02
Review
Browse available scratch & dent mortgage investments with full transparency on yields, property details, and loan performance.
03
Invest
Purchase fractional shares starting from just $5,000. Build a diversified portfolio of mortgage-backed assets on your terms.
04
Receive Returns
Earn 6-8% annual returns with monthly income distributions deposited directly to your account.
Ready to Start Building Wealth Through Proven Assets?
This isn’t a speculative gamble. It’s an opportunity to build wealth through stable, income-producing mortgages—one share at a time.
Allonge is currently in private beta for accredited investors.