Why Private Lending?

A private money loan is a loan that is given to a real estate investor to purchase and rehab a distressed property. The investment is secured by the property purchased, and in as little as six months to one year, the lender will receive their initial investment back, plus a 12% return annually. This is four or five times the rates you can get on bank CDs and other traditional investment plans. 

Essentially, private money lending is your opportunity to become the bank, reaping the profits just like a bank would. It’s a great way to generate cash flow and produce a predictable income stream while providing excellent security and safety for your principal investment. There is no other investment vehicle like it.

We Protect Our Lenders

Each property we acquire is put through a rigorous evaluation process in order to assess its profitability before the property is ever purchased. “Integrity” is an essential part of our business, and we only make sound investment decisions. For your protection, you are provided these documents to secure your investment capital:

Promissory Note: This is a legal commitment from us to repay the amount of the loan with interest.

Deed of Trust/Mortgage: This document is recorded with the County Clerk and Recorder to publicly secure your investment in the property as collateral.

Hazard Insurance Policy: This is where you, as the private lender, would be listed as the “Mortgagee” for your protection in case of fire or natural disaster, etc.

We Follow a Strict Due Diligence Process

We have a systematic and disciplined approach when purchasing investment properties, putting each potential investment through a strict due diligence process. This rigorous set of criteria includes, but is not limited to, the following:

• Comparable property analysis and examination by a certified, independent appraiser

• An economic study of the neighborhood, city planning, and development

• Demographics of the area, marketability, and growth potential

• Overall condition of the property, including heating and air, plumbing, electrical, roof, and structural condition