United Development Funding IV (OTCMKTS: UDFI) is a closed‐end management investment company that focuses on originating, acquiring and managing a diversified portfolio of short‐term, floating‐rate bridge loans secured by commercial real estate. Its core strategy is to provide senior secured financing for property acquisitions, rehabilitation projects, refinancing and value‐add opportunities across the United States. UDFI seeks to deliver attractive risk‐adjusted returns by targeting loans typically ranging from $500,000 to $5 million, with an average duration of 6 to 24 months, enabling borrowers to bridge financing gaps before securing more permanent capital.
The company’s investment activities span a broad array of property types, including multifamily, retail, office, industrial and single‐family rental portfolios. By focusing on secondary and tertiary markets—such as those in the Southeast, Sun Belt and Midwest regions—UDFI aims to capitalize on attractive yields and growing demand for flexible credit solutions. Its floating‐rate structure aligns performance with prevailing interest rates, potentially offering investors inflation protection and income that adjusts to market movements.
Operationally, United Development Funding IV leverages the expertise of United Development Funding Group, an established real estate finance manager led by founder and Chief Executive Officer Scott Bowden. The management team is responsible for sourcing loan opportunities, conducting due diligence, underwriting credit risk and overseeing loan servicing. A disciplined credit process, combined with in‐house asset management capabilities, supports the company’s goal of preserving capital while generating current income.
Launched as the fourth fund in a series of UDF vehicles, UDFI builds on the track record of its predecessors, which have collectively originated and managed billions in small‐balance bridge loans since 2015. The company’s board and executive leadership bring decades of industry experience in commercial real estate lending, investment management and financial services. United Development Funding IV continues to expand its footprint by partnering with local developers, operators and investors to finance projects that drive property value enhancement and community revitalization.
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