Trust Deed Investing
We are happy to have the opportunity to bring the world of trust deed investing to you. Many investors have found that investing in trust deeds provides them dependable monthly income, secures their investments and gives them peace of mind.
While all investments do involve some level of risk, trust deed investments have a long history of providing investors great returns with a low level of acceptable risk.
Equity is king and Loan to Value (LTV) establishes the equity protection. We are very conservative in our loan underwriting and approval process and typically won’t arrange any loan that exceeds 65% LTV of the property’s market value. In some rare circumstances we will look at a transaction that is at 70% LTV but there must be many mitigating circumstances that provide an acceptable level of risk to our investors.
Trust deed investments can be structured as either:
First Trust Deeds: Recorded in first position and is only subject to County property taxes
Second Trust Deeds: Recorded in second position and is subject to property taxes in addition to being subordinate to the first trust deed
Our investment terms can range from 1 year to 10 years or more.
The form of monthly payment our investors receive can be structured as follows:
Interest only: This investment option is where our investor receives a monthly interest only payment. This form of trust deed investment will have a balloon payment of the original principal balance due to the investor at the completion of the loan term.
Partially amortized: This investment option is where our investor receives a monthly payment that contains both principal and interest. This payment option allows for a partial reduction in the outstanding principal balance which leads to a reduced balloon payment at the completion of the loan term.
Fully Amortized: This is where a fixed monthly payment is paid to our investor that contains both interest and principal that pays down the outstanding principal balance so at the end of the investment term our Investor is paid back in full.
All loans are originated by experienced and licensed loan officers that possess an active Real Estate license issued by the California Department of Real Estate (DRE) or possess a license issued with the National Mortgage Licensing System (NMLS).
If you would like to speak with someone then please give one of knowledgeable Trust Deed Investment consultants call at (888) 797-7970 for a confidential evaluation of your trust deed investment options.