What is Private Lending?
Private lending involves offering loans directly to individuals or organizations, rather than through a traditional bank. In our model, you have the opportunity to lend money at a 12% amortized return over 5 years. The process is simple and fully managed—we handle the borrower, the property, and the paperwork. Your investment goes toward the purchase of single-family homes nationwide, and you receive monthly payments without the headaches of being a landlord. In essence, you're not buying property—you’re becoming the bank.
How is Your Loan Secured?
Understanding how your loan is protected is crucial. As a private lender, your loan is secured using the same legal instruments banks use: a promissory note and deed of trust. These documents outline repayment terms and establish a lien against the property, giving you legal recourse in the event of default.
First Position
Holding first position means you have top priority in the event of borrower default or bankruptcy. This security gives you peace of mind knowing that your capital is protected, and that you have the legal standing to take possession of the property if necessary.
Being fully secured as a private lender means your investment is safeguarded through proper documentation, verified title, and legal standing—just like a traditional mortgage.
Title Search
Before any deal is finalized, we perform a thorough title search to verify property ownership and confirm there are no outstanding liens. This ensures that your loan will hold the first and only lien position—putting you first in line to recover your funds if needed.
Payment Options
How you receive your monthly payments matters. Fortunately, there are multiple options available that offer flexibility and convenience for both you and the borrower. Common payment methods include ACH transfers, Venmo, Paypal, and Zelle.
