 This is called FRACTIONAL INVESTMENT [described below]; 2) Alternatively, he brokers the loan by contacting Private Money Lenders known to be interested in making loans of the size, type and location sought by the borrower.These lenders in turn create fractional investments themselves or are MORTGAGE FUNDS [described below].Following receipt and agreement of the Letter of Intent, the lender performs a rapid review of the property and underlying financing, title and credit issues.