Investment Criteria
The parameters that govern
every engagement.
5 Legacy operates under disciplined, repeatable investment criteria. These parameters shape every deployment we consider — published here so that institutional partners, counterparties, and reviewers can verify the firm's posture directly.
Chapter 01 · Structural Parameters
Six numbers that
define our discipline.
80–90%
Of every deployment is collateralized by real estate or other tangible, high-value assets.
30 / 60 / 90 Days
Our highest-conviction sweet spot — secured against pre-arranged permanent take-out loans.
180 Days
Standard allocation term, with 30 or 90-day renewal options available on 30-day notice.
3 : 1
Capital allocations deployed through 3:1 leverage into revolving credit positions.
50 / 50
On large, longer-duration development engagements, we structure as 50/50 equity partners.
3 Signatories
Every term sheet authorized by three designated signatories following formal vetting.
Chapter 02 · What We Seek
Engagements
that fit.
- 01 Institutional-grade real estate developments with credible sponsors and shovel-ready timelines
- 02 Bridge financing requests with pre-arranged or readily-arrangeable permanent take-out lenders
- 03 Acquisition opportunities backed by tangible collateral and clear value-creation thesis
- 04 Joint venture partnerships with operators we can underwrite alongside repeatedly
- 05 Strategic M&A engagements within real estate, technology, or capital-services sectors
- 06 Family office and institutional capital partnerships seeking allocation, advisory, or guarantee support
Chapter 03 · What We Don't
Engagements
that do not.
- 01 Concept-stage projects without operator track record or collateral support
- 02 Speculative positions without pre-arranged exit structure or take-out commitment
- 03 Engagements without willingness to complete formal KYC and three-signatory authorization
- 04 Counterparties unwilling to operate under standard confidentiality and fee structures
Chapter 04 · Geography & Sectors
Global scope.
Disciplined focus.
Headquartered in Atlanta, Georgia, 5 Legacy considers engagements across the United States and international markets. The firm is industry-agnostic — evaluating opportunities on transaction strength, structure, leadership, and viability rather than sector.
Historical concentration has favored real estate (80–90% of portfolio), followed by structured finance, commodity transactions, strategic acquisitions, technology, telecommunications, and short-term financing engagements.
Specific geographic, asset-class, and counterparty preferences are discussed in confidence with verified counterparties.
Chapter 05 · Engagement Timeline
From signature
to deployment.
24 – 48 Hours
Allocation Process
Engagement documents signed. Wire receipt confirmed. KYC submitted. Account opened and funded; access to restricted cash granted.
2 – 4 Weeks
Trust Withdrawal Process
Introductory meetings with the 5 Legacy diligence team and the back-end credit partner. MFG trust withdrawal procedures executed.
4 – 12 Weeks
Back-End Credit Line
Back-end lender executes their own procedures and finalizes the credit line. Deployment begins on pre-approved transactions.
Verify
Reviewing the
firm's posture?
Reach 5 Legacy through verified channels for institutional review, due diligence, or direct confirmation of the criteria above.
Contact the Firm