093 | Faster Funding, Lower Risk: A New Approach to Real Estate Finance with Dave Kotter

What if you could secure funding for a real estate deal in weeks instead of months, without the slow, bureaucratic process of traditional banks and still protect your downside like a seasoned investor? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Dave Kotter, founder of Hybrid Debt Fund and Integrity Capital, to explore a game-changing approach to real estate financing and private credit investing. Whether you’re a developer looking to close deals faster or an accredited investor seeking secure, high-yield opportunities, this conversation reveals how Hybrid Debt Fund is bridging the gap left by conventional lenders. 

Patrick and Dave unpack how the fund provides loans for $5M–$15M projects, manages risk through first-position collateral, and offers investors a unique blend of fixed income and equity-style upside. They dive into the types of projects,  finance from multifamily rehabs to RV parks and discuss market trends, risk mitigation strategies, and why private credit is booming while banks tighten lending. By the end, listeners will understand how to leverage this model to accelerate their business growth or diversify their investment portfolio with confidence. 

Key Takeaways: 

• How Hybrid Debt Fund’s senior stretch loans work and why they’re faster than traditional financing. 

• The asset classes and deal sizes that fit their investment criteria. 

• Risk mitigation strategies that protect both developers and investors. 

• Why private credit is expanding while traditional banks scale back. 

• How accredited investors can earn fixed income plus upside participation in multiple projects. 

Learn More About Dave Kotter 
Email: dave.kotter@hybriddebtfund.com 
Website: hybriddebtfund.com 
Phone: (602) 367-8795

Resources:   

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Credits:    

Sponsored by Vital Wealth    

Music by Cephas    

Art work by Two Tone Creative 

Audio, video, research and copywriting by Victoria O'Brien