WELCOME INVESTORS!

So, you want to be a trust deed investor and earn double digit returns?

...YOU CAN EARN A 10-15% RETURN ON YOUR MONEY BY INVESTING IN TRUST DEEDS SECURED BY REAL ESTATE !

A trust deed is what we call a deed of trust or mortgage.  When you "invest" in a trust deed, you are the bank (or the lender).  We usually get you rates of 10-14% and 1-2 points on the deal.  Most loans are short-term in nature and have a term of one to five years,  The average loan we make is paid off in less than eighteen months.  The rate and points you make usually yield you a 10-15% return on your money.  You can invest through your self-directed IRA.

Lincoln National Commercial Funding is your source for Trust Deed Investment opportunities. You can earn a high yield on your investment while adding a little diversification to your current portfolio by investing in trust deeds secured by real estate.

We bring in Real Estate Loans to be funded by Private Investors that for some reason or another fall short of conventional financing through banks or other institutional lending sources. Lincoln National Commercial Funding makes its decision to fund a loan based primarily upon two factors: #1...Protective equity in the property, and #2...The borrower's ability to repay the loan. We require an independent 3rd party appraisal for ALL loans, as well as title insurance and homeowner's property insurance coverage to protect the investor's lien position.

Trust Deed Investing is part mortgage work and part real estate work.  We get brokers’ opinion if we think the property is a suspect.  We interview property managers, talk to local realtors, drive-by the house to make sure it's really owner-occupied.  We have a valid exit strategy for the loan before lending any money.  We also have a heart-to-heart talk with the borrowers.  This is to bring to their awareness that if they don’t pay the loan, they could lose the house. 

We're pretty careful about lending money.  It’s like investing in our “mother's money" which, in some cases, we are.  We never go above a 70% loan to value.  That means if one is stuck with a bad borrower, he can foreclose and sell the property with plenty of room to spare.  We also check the borrower's capacity to pay the debt.  We have our own ways of verifying the cash flow like bank statements, trailing spouses, roommate rent, off-payroll income, part-time income, etc.  Another thing we try to remember is that we are here to solve the borrower's problem, not perpetuate it.  It is imperative that one has to understand the process since 1 out of 10 of these deals may ultimately end up in foreclosure.

Trust Deed Investing is part mortgage work and part real estate work.  We get brokers’ opinion if we think the property is a suspect.  We interview property managers, talk to local realtors, drive-by the house to make sure it's really owner-occupied.  We have a valid exit strategy for the loan before lending any money.  We also have a heart-to-heart talk with borrowers.  This is to bring to their awareness that if they don’t pay the loan, they could lose the house. 

We arrange loans on a variety of property types. These include Hotel (franchised and non-franchised), Restaurants (franchised and non-franchised), Retail/Industrial/Manufacturing, Hospitals/Medical office buildings, Multi-Family, Franchised auto dealerships. We will arrange both first position and second position trust deeds, on rare occasion we will arrange a third.

As a Trust Deed Investor, you are stepping into the role of the bank and funding the loan. Your name will be on the deed of trust and on the title insurance and fire insurance policies. Private investor funds can come from many sources including individual savings, IRA’s and pension funds.

Please look around our site and be sure to click on the Investment Opportunities button to see our current investments as these changes often. Please feel free to call with any and all questions that you may have about trust deed investing or any of the investments available on our site.

Thank you for your time.