Caribbean Income Fund, Inc.
A Specialized Mortgage REIT by GCM Fund Management LLC
Exclusive financing for resort and vacation properties in high-growth markets of Belize and Riviera Maya, Mexico
Investment Overview
10%
Annual Return
Target dividend yield paid quarterly
$20M
Private Placement
Limited to qualified accredited investors
$100K
Minimum Investment
Preferred stock structure with voting rights
18mo
Liquidity Timeline
Through planned public listing
The Financing Gap Opportunity
Traditional banks systematically avoid vacation property financing in international markets, creating a significant opportunity for specialized lenders.
While vacation property demand surges and values appreciate, borrowers struggle to access capital, enabling Caribbean Income Fund to capture premium interest rates.
13.5%
CIF Interest Rates
Premium rates for vacation properties
8%
Traditional Mortgages
Standard rates for residential properties
Target Markets
Riviera Maya, Mexico (30-40%)
  • Established tourism infrastructure with millions of annual visitors
  • Strong vacation rental market with high occupancy rates
  • Ongoing resort and residential development pipeline
Belize (60-70%)
  • English-speaking country with USD-pegged currency
  • Rapidly expanding eco-tourism and diving destinations
  • Favorable foreign investment policies
Portfolio Strategy
Resort Properties (40-50%)
10+ unit developments with professional management
Vacation Rentals (30-40%)
1-4 unit properties for short-term rental income
Mixed-Use Developments (10-20%)
Combination residential/commercial properties
Management Expertise
GCM Fund Management LLC
  • Deep market knowledge and established local relationships
  • Institutional-quality operational experience
Proprietary Technology Advantage
Custom Underwriting Algorithms
Traditional credit metrics enhanced for international borrowers
Alternative Data Analysis
Social media, travel patterns, and property research integration
Location Intelligence
Desirability scores and rental yield projections
Portfolio Analysis
Correlation analysis specific to vacation properties
Vertical Integration Benefits
Strategic Partnership with Guadalupana Homes
1
Quality Control
Direct oversight of property construction and standards
2
Preferred Access
First look at new development opportunities
3
Remarketing Capabilities
Built-in channels for distressed properties
4
Cost Efficiencies
Streamlined due diligence and property evaluation
Financial Projections
Target Performance Metrics
3%
Net Interest Margin
vs. 1.5-2.5% for traditional mortgage REITs
12.5%
Return on Equity
Target for common shareholders
<3%
Default Rate Target
Annual target through rigorous underwriting
<30%
Efficiency Ratio
Operational efficiency target
Risk Management Framework
1
2
3
1
Credit Risk Mitigation
Conservative LTV (70-80%), first lien position, comprehensive underwriting
2
Diversification Strategy
Geographic spread, property type variety, borrower diversification
3
Operational Controls
Institutional-quality management, independent board oversight, regular audits
Investment Structure & Terms
Preferred Stock Offering
  • $20,000,000 total offering limited to accredited investors
  • Preferred stock with voting rights and liquidation preference
  • Dividend priority before common shareholders
  • Optional conversion to common stock upon public listing
  • Enhanced investor protections including board representation
Liquidity Strategy
1
Phase 1 (Months 1-12)
Private market with limited liquidity options
2
Phase 2 (Months 12-18)
Regulation A+ filing and public listing preparation
3
Phase 3 (Month 18+)
Public trading on OTC markets with potential NASDAQ uplisting
Growth Strategy & Future Opportunities
Immediate Expansion (2025-2026)
  • Scale to 200+ properties in target markets
  • Achieve public listing and institutional investor access
  • Establish market leadership in vacation property financing
Geographic Expansion (2027+)
  • Phase 1: Central America (Costa Rica, Panama, Guatemala)
  • Phase 2: Caribbean (Barbados, Turks and Caicos, Cayman Islands)
Product Diversification
  • Commercial vacation properties (hotels, resorts)
  • Construction-to-permanent financing
  • Portfolio securitization strategy at $100+ million
Investment Highlights Summary
Why Caribbean Income Fund:
1
Higher Yields
Target 10% vs. typical REIT yields of 3-6%
2
Underserved Market
Financing gap creating premium opportunities
3
Tangible Security
First lien mortgages on vacation properties
4
Professional Management
Institutional-quality team and processes
Ideal Investor Profile:
  • Accredited investors seeking alternative asset exposure
  • Comfortable with 18-month initial liquidity timeline
  • Seeking higher yields with calculated risks
  • Interested in international real estate exposure
  • Looking for portfolio diversification beyond traditional investments
Next Steps
Schedule a Private Consultation
Contact our investor relations team to discuss your specific investment goals and questions.
Review Complete Documentation
Receive the Private Placement Memorandum with detailed information including comprehensive risk disclosures.
Investor Verification
Complete the accredited investor verification process as required by regulations.
Submit Application
Complete investment application and funding to secure your position.
Contact: [email protected] | 1-847-867-5911