Passive income backed by real estate — conservative underwriting, strong collateral, and full transparency on every deal.
Trust deed investing allows you to become the lender on a real estate loan. You provide the capital, and in return you earn a fixed interest rate — typically 9–13% annually — secured by a recorded lien on the property.
You're not investing in a fund. You're investing in individual loans, with full visibility and control.
Compared to traditional investments
Your investment is backed by a recorded deed of trust
We keep loans at 65% or below, creating strong protective equity
Most loans are 6–24 months
We handle underwriting, servicing, and borrower communication
Nothing moves forward without your approval
We follow a conservative, common-sense underwriting approach:
Your capital is protected by real collateral, not speculation.
When a loan opportunity arises, you receive a full breakdown including:
If you like the deal, you invest. If not, you wait for the next one. There is zero obligation.
Because these loans fill quickly, most investors join our private investor list to receive opportunities first.
There's no commitment, no minimum, and no pressure — just information.
Most trust deed investments start at $50,000. However, this can vary depending on the specific loan opportunity. Some deals may require higher minimums, while others can accommodate smaller amounts through fractional participation.
Most loans are structured with interest-only monthly payments, with the principal returned at the end of the term when the borrower refinances or sells the property. Some loans may be set up with interest accrual instead, paying all interest at the end. Payment terms are clearly outlined before you invest.
Because your investment is secured by a recorded deed of trust, you have the legal right to foreclose on the property if the borrower defaults. We maintain conservative loan-to-value ratios (typically 65% or below) to ensure there is substantial equity protecting your position. In the rare event of default, we work with you and legal counsel to protect your investment.
No. Trust deed investments are not FDIC insured, nor are they guaranteed by any government agency. They are private real estate loans secured by property. Your protection comes from the recorded lien position, the equity in the property, and our conservative underwriting standards.
Yes. Many investors use self-directed IRAs or solo 401(k)s to invest in trust deeds. You'll need to work with a custodian that allows alternative investments. We can provide guidance and have experience working with most major self-directed IRA custodians.
Absolutely not. When a loan opportunity arises, we send you a full deal package with all relevant details. You review it, and if you like it, you invest. If you don't, you wait for the next one. There is zero obligation or pressure to participate in any deal.
Most loans are 6 to 24 months in length. The exact term is established before you invest. Some loans may pay off early if the borrower refinances or sells ahead of schedule. Early payoff typically includes any prepayment penalties, which may be shared with the investor depending on the loan terms.
We lend on a variety of property types including single-family residential, multi-family properties, mixed-use buildings, commercial real estate, and land. Each property type carries different risk profiles, which is reflected in the LTV ratio and interest rate. All loan opportunities include detailed property information so you can make an informed decision.