Why lending can be attractive
12% fixed interest
Consistent, contract-based interest designed to outperform many traditional fixed-income options.
Structured monthly payments
You get a clear schedule of payments over a defined term so you can plan with confidence.
Recorded lien on property
Your loan is secured by tangible collateral with an equity cushion—something you can verify.
Example structure: $30,000 over 5 years at 12%
Example payment math (approx.)
For a standard amortizing note, a $30,000 principal at 12% over 60 months is approximately:
| Item | Value |
|---|---|
| Principal | $30,000 |
| Rate / Term | 12% fixed / 60 months |
| Monthly payment (approx.) | $667.33 |
| Total interest (approx.) | $10,040 |
| Total repaid (approx.) | $40,040 |
Numbers shown are examples and rounded. Your final schedule depends on exact terms and closing documents.
What makes it “lendable”
The goal is a clean lender experience: clear paperwork, conservative collateral position, and a repeatable process.
- Collateral-first underwriting: focus on low loan-to-value and an equity cushion.
- Professional closing: handled through a licensed title company / attorney with proper recording.
- Document set: promissory note + recorded deed of trust/mortgage (security instrument).
- Insurance checklist: title insurance and hazard insurance are part of the protection stack.
- No “mystery box”: you receive documentation for your records.
Your protection system
Promissory note
A legally binding document that states repayment terms, interest rate, and timeline.
Deed of trust / mortgage
Recorded security instrument that establishes you as a lienholder against the property.
Title insurance
Protection against unknown title defects, claims, or encumbrances that could affect your position.
Hazard insurance
Coverage against property damage from covered events (fire, storms, etc.).
Fund flow (important)
Funds are wired to the title company/attorney escrow account for closing—never directly to me personally—so documentation and recording are handled correctly.
How it works (simple 5 steps)
| Step | What happens | What you receive |
|---|---|---|
| 1) Deal review | We review property details, proposed terms, and lien position. | Opportunity summary |
| 2) Due diligence | Title search, valuation/verification, insurance checklist. | Due diligence packet |
| 3) Commitment | Title company prepares documents and coordinates closing. | Draft closing docs |
| 4) Secure funding | You wire to escrow; interest begins accruing upon funding per docs. | Wire instructions (escrow) |
| 5) Closing | Documents are executed and recorded; you get copies for your records. | Note + recorded lien docs |
About me
Your Name
Replace this text with your story: your real estate background, how long you’ve been investing, the markets you operate in, and why you prioritize transparency and documentation.
Suggested bullets to include:
- Years investing + number/type of properties
- States/areas you operate in
- How you create equity cushions (discounted acquisitions)
- Your lender communication cadence (updates, statements, etc.)
My lender promise
My approach is built on transparency, predictability, and tangibility—so you can see what backs the loan, understand the documents, and know what to expect from the process and payment schedule.
FAQ
Why would you pay 12%?
Is the loan secured by real estate?
How is the closing handled?
What if the property is vacant or a buyer stops paying?
Can I lend from a self-directed IRA?
Contact
Request details
Send a quick message and I’ll reply with: sample terms, protections checklist, and next-step instructions.
Tip: if you prefer, replace the phone line with a Calendly link button.
Message template
Copy/paste this into an email/text:
Hi Your Name,
I’m interested in reviewing your real estate–secured lending structure. Please send the opportunity sheet, document checklist (note + deed of trust/mortgage + insurance), and a sample amortization schedule.
Thank you,
[Your Name]