Seniors Housing Fund

Why Private Credit and Investments in Seniors Housing

What Is a Seniors Housing Fund?

A seniors housing fund, also known as a senior housing fund or senior living fund, is an investment vehicle dedicated to or focused on the seniors housing sector. As a growing asset class in commercial real estate, a fund provides opportunities to invest in senior living and seniors housing properties without having to own or manage those properties.

Wilshire Finance Partners (WFP) has several ways individuals can become involved in seniors housing, from more passive investments through the WFP Income Fund, or the WFP Opportunity Fund, to more active investments through direct limited partner and other investments in specific senior living facilities.

Why Invest in Seniors Housing

The aging American population is transforming the seniors housing sector and fueling heightened demand in the industry, creating a compelling investment opportunity for investors. By 2030, all baby boomers will be aged 65 and older, a population now estimated at about 73 million strong, or 22% of the population. This demographic shift presents an opportunity for investors who want to invest in a growing sector of the real estate market without having to manage property or be tied to the volatility of the stock or bond markets. Further, investors can benefit from a diversified senior living fund across facilities and geographic locations through a single investment.

As one of the most recession-resistant real estate asset classes, the senior housing sector—specifically assisted living facilities—has weathered various economic challenges extremely well.

With greater access to seniors housing through private credit investment opportunities, accredited investors can capitalize on the rising tide of seniors and earn strong returns in a resilient industry that also gives them the ability to invest with purpose. Investing in seniors housing allows investors to make a positive social impact that improves the quality of life for older adults

Types of Funds

The WFP Income Fund is a short-term private credit fixed-income investment that seeks to provide stable income and principal protection to its investors primarily through the Income Fund’s investments in first trust deeds and mortgages secured by seniors housing, healthcare, multifamily, and commercial real estate.

The WFP Opportunity Fund seeks to provide attractive risk-adjusted returns to its investors through debt and equity investments in real estate within the United States. Underlying investments in the Opportunity Fund will include, without limitation, direct and indirect equity investments, joint ventures, deeds of trust and mortgages, participating loans, and other real estate related investments.

Investment Criteria and Factors

Wilshire’s team carefully evaluates investment opportunities through the WFP Income Fund and WFP Opportunity Fund. Specifically, our team looks to invest $1,000,000 - $10,000,000 in value-add acquisitions and refinances that create greater investment opportunity at a lower cost basis, finance senior living facilities that serve lower- to lower-middle income seniors to fill a need in the seniors housing market, and foster relationships directly with regional owners and operators who have a passion for serving seniors and a clear understanding of their facility(s) and local market.

With our deep knowledge in the seniors housing sector and cross-industry expertise in banking, real estate law, and investment management, our WFP Income Fund has delivered a stable net asset value (NAV) since inception, higher-risk adjusted returns, and greater diversification through our investments in first trust deeds and mortgages secured by seniors housing real estate. Further, our WFP Opportunity Fund has provided investors with access to investments in Senior Housing Facilities that can provide equity-like returns.¹

Accredited investors are invited to learn more about Wilshire’s private credit investment opportunities in seniors housing. Request our WFP Income Fund Investor Kit and our WFP Opportunity Fund Investor Kit for additional information.

^{1 Past performance is not indicative of future result.}

Why Private Credit and Seniors Housing

As seasoned seniors housing lenders, Wilshire Finance Partners is a leading private debt fund that provides capital solutions in seniors housing and senior living ranging from $1 million to $10 million for various properties and projects. Wilshire’s lending philosophy in the senior housing sector is two-fold: First, as an asset class seniors housing is a resilient, needs-based real estate with increasing demand. By 2030, all Baby Boomers will be 65 years and older, according to the U.S. Census Bureau, which means more housing and services are needed for the future.

Second, our lending philosophy goes beyond transactions and straight to the heart of the people involved. Wilshire partners with individuals and groups who care about the older adults they serve and are making business decisions in the best interest of both residents and employees, with a focus on sustainable growth.

Benefits of Senior Housing

Seniors housing is a unique blend of real estate, and healthcare, and the benefits to supporting and lending in this asset class are innumerable. Not only will demand for services and housing continue, so will economic opportunities created by the sector. Everyone wants to see their loved ones thrive and be cared for in their later years of life. At Wilshire, supporting these efforts to create housing opportunities, quality care, and more choices for aging seniors is not only a sound investment, but it directly and indirectly benefits Seniors.

Lending Criteria and Factors

Our senior housing finance program focuses on the following types of lending opportunities and properties:

From opportunistic acquisitions to acuity level transitions, there are ample ways for owners and operators to pair their vision with Wilshire Finance Partners’ financing solutions, funding a path forward that creates enhanced revenue to benefit residents, employees, and the greater community.

If you’re considering senior housing financing in pursuit of a strategic acquisition of a senior apartment community or a repositioning of an assisted living facility, explore some of our recent case studies to see how Wilshire Finance Partners has helped other owners and operators do just that.

Investments that fund the path forward today. Contact us to learn how.

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info@WilshireFP.com

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DISCLOSURES:

Loans: The information contained on this website and the related communications are directed to real estate professionals only. The information contained on this website and the related communications are not a loan approval, agreement or commitment to lend. The delivery or circulation of any attached documents is for discussion purposes only and Wilshire Finance Partners, Inc. may make substantial and material revisions to the same. Rates and terms are subject to change without notice. Loans made by Wilshire Finance Partners, Inc. California Department of Real Estate Broker License number 01523207 and California Department of Financial Protection and Innovation, Finance Lenders License number 603K729; WFP Income Fund, LLC, California Department of Financial Protection and Innovation, Finance Lenders License number 603K726; WFP Opportunity Fund, LLC California Department of Financial Protection and Innovation, Finance Lenders License number 603K725; or WFP Income Fund REIT, LLC, California Department of Financial Protection and Innovation Finance License number 60DBO-99184. •Equal Opportunity Housing Lender•

Investments: The information contained on this website and the related communications are not an offer to sell or the solicitation of offers to purchase the securities of the WFP Income Fund, LLC, the WFP Income Fund REIT, LLC, the WFP Opportunity Fund, LLC, loan or trust deed investments, participations or other securities offered by or through Wilshire Finance Partners, Inc. (individually and collectively, the “Securities”). The purpose of this website and the related communications is to provide an overview of the respective Securities and their private placement. Persons interested in learning about the Securities and their private placement will be provided with the respective Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provides a description of the Securities, the terms of their private placement, a discussion of risk factors, a copy of the limited liability company operating agreement for the respective fund (as applicable), a subscription agreement and other information related to the Securities.

This website and the related communications contain certain forward-looking statements regarding the Securities and the investment objectives and strategies of each of the Funds. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire, as the manager of the Funds. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the objectives and strategies of the respective Securities will be achieved.

Investments in the Securities may only be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein, and otherwise comply with the requirements contained therein. Each of the Securities is being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”) and are not required to comply with specific disclosure requirements that apply to registration under the Securities Act. Neither the Securities Exchange Commission nor any other state securities commission or agency has passed upon the merits of or given its approval to the Securities, the terms of the offering, or the accuracy or completeness of any offering materials. Each of the Securities is subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the Securities. Past performance is not indicative of future results. Investing in any of the Securities, including the Funds, involves substantial risk, including loss of investment, and is not suitable for all investors.

To the extent there is any inconsistency between the information provided in this website. The related communications and the Memorandum, the information contained in the Memorandum shall control.

Other Notices: Information provided by Wilshire Finance Partners, Inc., its affiliates and their respective directors, managers, officers, employees and agents is not to be interpreted as legal, tax or accounting advice. Wilshire Finance Partners, Inc. is a debt collector and is required by law to inform you that this communication may be an attempt to collect a debt and any information obtained will be used for that purpose. Wilshire Finance Partners®, Proven Professional Performance®, Stable Income & Principal Protection®, and The Alternative Solution® are registered trademarks of Wilshire Finance Partners, Inc. © 2021 Wilshire Finance Partners, Inc. All rights reserved.

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