We help our investors enjoy monthly interest income secured by Californian real estate. This is called "trust deed investing".
We help our investors diversify their interest income through "fractionalized loans". Because the amount each investor puts into each fractionalized loan is smaller than in a "whole loan", our investors can participate in multiple loans at the same time, with different borrowers, locations, property types, property classes, and loan maturity.
All of our trust deed investments are protected by recorded deeds of trusts (usually 1st, occasionally 2nd deed position) and most have monthly payments. We service the loans we originate, and hire industry experts (e.g., attorneys, foreclosure services) to protect our investors as need arises.
We treat our investors' hard earned money and their trust in us very seriously. Some of our investors have retired partly because of the monthly interest income we generate for them. We want to offer similar option to more and more people in our community.
Locally, we are licensed and regulated by California Dept of Real Estate (DRE). We submit our loan files and trust account details to 3rd party accountants for random audits every quarter. At the federal level, we are regulated by Consumer Financial Protection Bureau (CFPB), Housing & Urban Development (HUD), and Conference of State Bank Supervisors (CSBS) for Nationwide Mortgage Licensing System & Registry (NMLS). And the IRS and CA Franchise Tax Board (FTB). Yup - lots of regulations to protect you.
We provide monthly reports to our investors, and 1099-INT at the beginning of every year for tax reporting.