A sole investor mortgage, also known as a one-to-one or peer-to-peer mortgage, involves a single investor providing 100% of the advance funds for a mortgage. As a result the investor owns the entirety of the mortgage interest.
The investor has the option of using their own name, or their company, as lender of record in the security documents, or of using a bare trustee.
The investor can have a mortgage manager collect the interest or have it paid directly to their own bank account.
The main advantage to being the sole investor is that all commercial decisions can be made without regard to anyone else. Thus in the event of a default the decision of whether to sell, develop or hold the security (or some combination) rests solely with the investor.