Trust Deed Investments
Earn high-yield returns secured by California real estate — managed end-to-end by our experienced team.
About
We are a private money lender arranging trust deed investments secured against residential and commercial real estate in California. Our combined experience in underwriting and loan brokering gives us a distinct edge. We understand appreciation and depreciation trends as well as true value — best determined by the income approach.
Most of our loans carry a 7%–13% note rate and are recorded as a first or second trust deed on the collateral property. All loans carry title insurance, hazard insurance, and recent appraisals or Broker Price Opinions (BPO). We handle complete servicing, and you can choose to reinvest your payments or receive them monthly.
All trust deed investments are approved for IRAs or other self-directed retirement plans. Loans are business purpose only, based primarily on property equity — with borrower details affecting maximum LTV and/or note rate.
Fund Structure and Advantages
The fund was formed to allow investors to participate in trust deed ownership as part of a collective pool, providing key advantages over investing on an individual basis.
Diversification
Each investor owns a proportionate share of every note in the fund portfolio.
High Yield
The note rate for each loan is targeted between 8% – 13%.
Security
Each loan is secured against real estate. A lender's title insurance policy is obtained on every loan. The fund is named on the borrower's hazard insurance.
Safety
Each loan is targeted at a 60% loan to value or less (max 70% LTV by exception).
Quality
Funds have access to better quality notes often not available to individual investors after cherry-picking the best opportunities.
Convenience
We handle all complexities including foreclosure proceedings, litigation, bankruptcy court, and other legal issues that may arise.
Flexibility
Investor can choose to reinvest monthly interest payments or take a monthly income.
Liquidity
Far greater liquidity than would be possible for individual trust deed investors.
Efficiency
The fund acts quickly to secure better notes, utilize greater resources, and better manage cash flow than individual investors.
Risk Reduction Features
Up to 60% LTV
At least 40% of value to offset potential declines in property value or to recover your investment. Generally no more than 60% LTV — exceptions granted in extraordinary instances.
Prepaid Interest
Extra security with a portion of loan proceeds held in escrow in case borrower experiences financial trouble. Implemented on a case-by-case basis.
1st/2nd Trust Deeds Only
1st trust deeds offer superior control to recover your investment. 2nd trust deeds offer superior yield and are only offered depending on the terms of the first.
Rental Income
Cash flow from income-producing properties can help borrowers maintain payments or help investors offset loss of monthly payments.
Prepayment Penalty
Penalties for early repayment are added case-by-case, accompanied with rate adjustments to compensate for reinvestment risk.
Shorter Terms
Terms range from 6 to 36 months. Each property is evaluated as if we are purchasing it ourselves at 50–60 cents on the dollar.
Your Deal Won't
Wait. Neither Do We.
Approvals in 6–24 hours. Funded in as little as 7 days. No minimum credit score. California's fastest hard money lender for private money loans.