Unlike investments in bonds or stocks, mortgage investments are secured by tangible real estate assets. ACM Advisors Ltd. prides itself on its conservative underwriting practices and track record of 16 years with no loan losses.

Mortgages are registered on title
 to preserve not only the invested capital but also the legal rights to the income of the property.  In addition, personal and corporate guarantees and covenants
 are often required by the lender.

Conservative and prudent underwriting of commercial mortgages takes into consideration the following property characteristics compared against comparable properties: location, tenants, leases, vacancy level, current income and forecast income.   Considering these factors, many documents
 are analyzed to arrive at a true market value of the underlying property.   In addition to the property underwriting, the borrower’s financial situation
 and real estate experience is thoroughly reviewed.