FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person* XL Investments Ltd (Last) (First) (Middle) ONE BERMUDIANA ROAD (Street) HAMILTON D0 HM 08 (City) (State) (Zip)	2. Date of Event Requiring Statement (Month/Day/Year) 03/21/2013	3. Issuer Name and Ticker or Trading Symbol Five Oaks Investment Corp. [ OAKS ]
		4. Relationship of Reporting Person(s) to Issuer (Check all applicable) Director X 10% Owner Officer (give title below) Other (specify below)	5. If Amendment, Date of Original Filed (Month/Day/Year)
			6. Individual or Joint/Group Filing (Check Applicable Line) Form filed by One Reporting Person X Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock, par value $0.01 per share	25,000,000(1)	D(2)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

1. Name and Address of Reporting Person* XL Investments Ltd (Last) (First) (Middle) ONE BERMUDIANA ROAD (Street) HAMILTON D0 HM 08 (City) (State) (Zip)

1. Name and Address of Reporting Person* XL Insurance (Bermuda) Ltd (Last) (First) (Middle) ONE BERMUDIANA ROAD (Street) HAMILTON D0 HM 08 (City) (State) (Zip)

1. Name and Address of Reporting Person* XL Group Investments LLC (Last) (First) (Middle) 1540 BROADWAY 25TH FLOOR (Street) NEW YORK NY 10036 (City) (State) (Zip)

1. Name and Address of Reporting Person* XL Group Investments Ltd (Last) (First) (Middle) ONE BERMUDIANA ROAD (Street) HAMILTON D0 HM 08 (City) (State) (Zip)

Explanation of Responses:

1. See note (1) on Exhibit 99.1

2. See note (2) on Exhibit 99.1

Remarks:

Exhibit List Exhibit 24 - Limited Power of Attorney for Securities Ownership Reporting Obligations Exhibit 99.1 - Explanation of Responses

	/s/ George Bumeder, as Authorized Person on behalf of the following: XL INVESTMENTS LTD, XL GROUP INVESTMENTS LTD, XL INSURANCE (BERMUDA) LTD, XL GROUP INVESTMENTS LLC	03/21/2013
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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