Real Results: How Everyday Investors Are Earning 10–14% with MGO
Representative case studies showing how professionals, retirees, and self-directed IRA holders put their capital to work safely with MGO — and what they earned.
By MGO Home Buyers ·
Numbers on a page are one thing. Seeing how real people use private lending makes it click. Below are representative case studies that reflect the kinds of deals and lenders we work with across Florida's East Coast.
These are illustrative examples for educational purposes. Returns depend on the specific deal and terms agreed upon in writing. This is not an offer to sell securities.
Case Study 1: The busy physician who wanted out of the rollercoaster
The lender: A surgeon, mid-career, time-poor and tired of watching his brokerage account swing with the news.
The deal: Funded $150,000 on a 12-month renovation project in Palm Beach County at 12%, first-position lien, with a conservative loan-to-value and the property fully insured with him named on the policy.
The result: $18,000 in interest over the term, principal returned at sale. Zero hours spent managing it. He has since reinvested into a second deal.
"I earn more on this than I was netting on rentals, and I never get a phone call. It just works." — representative lender sentiment
Case Study 2: The retiree replacing bond yields
The lender: A recently retired couple frustrated that their "safe" bonds and CDs were barely keeping up with inflation.
The deal: Split $200,000 across two Brevard County projects to diversify, both first-position, both 11–13%.
The result: Roughly $24,000 in annual interest — several times what their fixed-income holdings paid — backed by real, inspectable property instead of paper.
Case Study 3: The self-directed IRA investor
The lender: A tech professional using a self-directed IRA, looking for higher yield than the market without the volatility inside his retirement account.
The deal: Lent $100,000 from his SDIRA on a single-family flip at 12%, first position, recorded lien held by the IRA custodian.
The result: $12,000 of tax-advantaged growth inside the IRA, secured by property — no market exposure during the term.
The common thread
Different people, same playbook:
- First-position recorded lien on every deal
- Conservative loan-to-value for an equity cushion
- Insurance with the lender named as a beneficiary
- Fixed, agreed-upon returns of 10–14%
- Truly passive — the operator does the work
These lenders weren't financial wizards. They simply chose a structure that pays well and protects principal — and let us do the heavy lifting.
Could this be you?
If any of these stories sounds like where you are right now, the next step is simple. Schedule a private consultation and we'll show you a current Florida deal and exactly what your capital would earn and how it would be protected.
About MGO Home Buyers
MGO Home Buyers is a Florida family-owned real estate company that partners with private lenders to fund local projects — offering fixed 10–14% annual returns secured by recorded first-position liens on real property. Articles are reviewed by the MGO team and are for educational purposes only; this is not an offer to sell securities.