Introducing Guidance Short-Term Income Trust

Shariah-compliant income for eligible investors

*For accredited investors only.

Portfolio Assets

We focus on investments backed by residential real estate financing originated through our affiliated company, Guidance Residential. This asset class has historically played a foundational role in income-oriented portfolios due to its connection to real economic activity and housing demand.

Investment Philosophy

Our investment philosophy centers on capital preservation, consistency, and transparency. By focusing on assets originated within our broader platform, we maintain visibility into the full lifecycle of each investment – from origination through servicing.

Target Profile

We prioritize homebuyers who demonstrate the ability to make consistent monthly payments based on documented financials, a strong commitment to property ownership and long-term value creation, and alignment with responsible financing practices. This approach supports both financial performance and broader community impact.

Geographic Focus

Our investment activity is focused on key residential markets across the United States where Guidance Residential is licensed to originate. We maintain a diversified geographic footprint to reduce concentration risk and to capture opportunities across multiple housing markets.

Shariah-compliant Assets

GSTIT intends to buy newly originated Shariah-compliant home finance contracts from Guidance Residential to build a diversified investment portfolio.

Diversified Portfolio

GSTIT intends to manage a portfolio of home finance contracts that is diversified across U.S. states and across individual residential properties.

High Credit Quality

GSTIT intends to buy high-quality assets of comparable credit risk to those in Guidance Residential's existing portfolio. New originations in that portfolio had an average FICO score of 739 during 2024.

Guidance Residential

Guidance Short-Term Income Trust benefits from Guidance Residential's unique Declining Balance Co-ownership Program and 24+ years of experience helping faith-conscious buyers realize their dream of home ownership.

*All financial, investment, and performance information related to GSTIT is provided solely for its shareholders. Shareholders may login to the secure Investor Portal to review financial, investment and performance information. If you have misplaced your login credentials or have other questions about the site or GSTIT, please feel free to contact us.