With the safety of investors’ income and principal in mind, the Fixed Income Fund generates consistent and stable income by issuing or purchasing mortgage and trust deed loans according to strict underwriting criteria with a maximum Loan-to-Value ratio of 70 percent. The Fixed Income Fund diversifies its portfolio by loan type, maturities, and property locations, but will concentrate on loans in areas with historically stable valuations to avoid potential bubbles, as well as concentrating in areas with advantageous foreclosure laws for quick exits of non-performing loans.