A trust deed investment is a loan secured by real property in California. As the investor, you become the lender of record — earning interest income while your principal is protected by the equity in the underlying property. Lending Capital manages the entire process from origination through payoff.
What Is a Trust Deed Investment?
When a borrower takes out a hard money loan through Lending Capital, investors fund that loan and receive a deed of trust recorded against the property as security. This gives you, the investor, a legal lien on the real estate — providing protection in the event the borrower defaults.
Trust deeds are recorded in the county recorder's office, making your investment publicly documented and legally enforceable. In a default scenario, the trust deed holder has the right to initiate non-judicial foreclosure proceedings to recover the investment.
Our team handles all aspects of loan administration: borrower communication, payment collection, insurance monitoring, tax tracking, and legal proceedings if needed. You collect monthly payments without the day-to-day management burden.
Why Choose Us
Recorded Security
Your investment is secured by a recorded deed of trust — a legal lien on California real property.
First & Second Position
We offer both first and second trust deed opportunities depending on LTV and risk preference.
6–36 Month Terms
Short loan terms provide faster liquidity compared to traditional real estate investments.
Diversification
Spread capital across multiple loans and property types to reduce concentration risk.
No Landlord Duties
You earn real estate returns without property management, tenant issues, or maintenance.
Fully Managed
Lending Capital handles everything — you simply receive monthly interest payments.
Fund Structure and Investment Options
Individual Trust Deeds — Investors fund a single loan and receive a direct interest in that specific property. Full transparency into the property, borrower, and loan terms.
Pooled Fund — Investors participate in a collective pool of loans, providing greater diversification and liquidity than individual trust deed investing. The fund targets note rates of 8%–13%.
All investments are reviewed and approved by our underwriting team. Every loan carries title insurance, hazard insurance, and a recent appraisal or BPO. Contact us at (800) 648-0690 to review current opportunities.
Start Earning Monthly Income From California Real Estate
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.