Articles
Latest Article
How hard money loans are underwritten (and how we say no)
Most of what protects your money at 890 Capital happens before a single dollar goes out the door. It happens in underwriting: the unglamorous, checklist-driven work of deciding which loans we make and, just as often, which ones we turn down. We get asked how we've stayed at zero foreclosures across 126 loans since inception. […]
July 23, 2026
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Investing in private real estate loans through a self-directed IRA
Most retirement accounts hold whatever the brokerage puts in front of you: stocks, bonds, and a menu of mutual funds. A self-directed IRA real estate strategy opens a different door. It lets your retirement money hold alternative assets, including the first-position mortgages that private lenders like 890 Capital make across the Charleston tri-county. The appeal […]
July 20, 2026
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Dividend reinvestment in real estate: how a DRIP compounds your monthly income
Dividend reinvestment in real estate is one of those ideas that sounds complicated and turns out to be almost boring. You decide, once, whether this month's income gets spent or goes back to work. That single choice, repeated every month, is the difference between a flat line and a curve. At 890 Capital, most investors […]
July 13, 2026
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250 years on, Charleston is still a city worth building
Two hundred and fifty years ago this week, a half-finished fort of palmetto logs sat on Sullivan's Island at the mouth of Charleston Harbor. On June 28, 1776, the British fleet opened fire on it. The soft palmetto wood absorbed the cannonballs instead of splintering, the fort held, and the fleet withdrew. Days later, in […]
July 4, 2026
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890 Capital July 2026 Investor Update: A Strong Spring, a Clean Book, and a Growing Family
From all of us at 890 Capital, we hope you have a safe, happy Fourth of July and a wonderful long weekend. Here is our July 2026 update: the Charleston real estate market rebounded in May, our real estate loan book remains 100% performing, and we have a few pieces of good news to share, […]
July 1, 2026
Latest Article
What financial independence actually looks like
We started 890 Capital because we wanted a version of financial independence that didn't require people to time the market. Most "freedom" pitches in finance are really bets. Buy this asset, hold it through the swings, hope you sell at the right moment. That's the story behind a lot of what gets sold as passive […]
June 29, 2026
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890 Capital, featured in the Post & Courier
The Post & Courier's Moultrie News ran a feature on 890 Capital this week, written by Julie Deacon. It's a good account of why we started this firm and how we've run it since. If you've been following along, the themes will sound familiar: trust, transparency, and doing what we say we're going to do. […]
June 17, 2026
Latest Article
Why we haven't gated. The structural reason, not the marketing reason.
Several of the largest private credit funds in the country have frozen investor redemptions in the past six months. The headlines read like sudden events. They aren't. They're the visible end of a structural choice the fund made years earlier about what it lends against and how that collateral behaves under stress. 890 Capital has […]
June 4, 2026
Latest Article
890 Capital April 2025 Fund & Market Update
This letter was shared with 890 Capital investors, borrowers and supporters. To receive this directly to your inbox, sign-up at 890capital.com/easycashflow. -------------- Hi everyone, Frank here with your latest 890 Capital update — thanks, as always, for tuning in. Below, I’ll walk you through how the fund is performing, what we’re seeing in the real […]
April 17, 2025
