Mortgage Trust Deed
8% - 11% Annually
Making Trust Deed Investment Simple, Reliable, and Transparent.
At PrivateMoneyLoans.com we provide an online marketplace for Trust Deeds and other real estate-secured investments. Investors can research, pledge, buy, and sell Trust Deeds using our platform.
You may also invest in a selection of managed funds, or review periodic equity joint ventures. Our mission is to establish PrivateMoneyLoans.com as the preferred online community for real estate-secured investments, whether in whole loans, fractional interests, or through managed funds. Toward this goal we built this platform to be simple, reliable, transparent, and efficient.
TWO WAYS TO INVEST:
- Fractional Loans: Fractional Loans are where you invest in a portion of the loan, say 20% or 50%. This allows you to diversify your investment among multiple loans. (Qualified California Residents Only)
- Whole Loans: Whole loans are where you invest in the entire loan. You are the sole lender and retain 100% control over that loan. Our loan sizes will typically range from $150,000 to $3,000,000. (Qualified California Resident Only)
RELIABLE AND TRANSPARENT
PrivateMoneyLoans.com is sponsored by Pacific Private Money, Inc., a leading and renowned alternative finance provider and reliable source of the finest Trust Deed and managed fund investments in Northern California.
PrivateMoneyLoans.com online marketplace offers investors valuable transparency with easy access to key borrower and property underwriting documents, and efficiencies such as Trust Deed availability alerts and real-time funding status. Saving time, enhancing the investment experience, and maximizing investor yield.
PERSONALIZED 24/7 SERVICE
As an investor using PrivateMoneyLoans.com, you will experience a very personalized service that utilizes investor preferences while providing up-to-the-minute deal status and 24/7 access via your computer, laptop, tablet, or mobile device.
DEEDED INTERESTS – NOT PLATFORM NOTES
The Trust Deeds sold on PrivateMoneyLoans.com are Deeded Interests, not Platform Notes. Your Trust Deed investment is secured by a Deed of Trust recorded on the property for which the loan is made.
You or your investment entity are named on the Deed of Trust as owning whatever fractional interest you purchase, or the whole loan if you purchase 100%.
Most crowdfunding sites offer what are known as “Platform Notes” which are significantly different as they are NOT secured by a recorded Deed of Trust. With a Platform Note, your only security is the good faith and credit of the company or crowdfunding site offering the investment.
As a Trust Deed investor with PrivateMoneyLoans.com, you enjoy a far more secure investment position than with a Platform Note.
PERFORMANCE THAT MATTERS
- 700 Million Dollars Funded
- 1,700 Loans Funded
- 1,200 Loans Repaid
- 0 Loan Losses
This represents the track record of Pacific Private Money, Inc. since 2008
HOW TO INVEST IN PRIVATE MONEY TRUST DEEDS
Register to become a PrivateMoneyLoans.com Investor. It only takes a few minutes! Once you Register we will review your information and process your approval. You will receive an email upon approval, usually within a few hours, and certainly by the next business day.
Preview the Trust Deed investments available through our online marketplace (SEE “Offerings”) and select opportunities based on the criteria that’s important to you.
You may select from:
- Newly originated loans in which you fund directly into escrow and then close.
- Recently originated loans that have funded, closed escrow, and are available for purchase.
- Seasoned loans with a payment history.
Pledge the dollar amount that you are comfortable with for the term of the loan (all or some fraction of the loan amount). You can increase, decrease, or release your pledge at any time prior to funding.
Transparency is one of the hallmark features of PrivateMoneyLoans.com. Once you have pledged your investment we will provide secure access to the loan file so you can conduct your own due diligence review. You are encouraged to review the loan file with your trusted advisor. PrivateMoneyLoans.com enables you to communicate directly with the loan Sponsor through the platform so that you can get quick answers to any questions or concerns that you may have.
When a loan is fully pledged, and thus ready to close, the investment status will change to “Funding Now” at which point all pledges will be final. All pledged investors will be notified, lender documents will be provided for review and approval, along with wire instructions for wiring funds into escrow.
When all pledged funds are received in escrow, along with signed lender and borrower documents (promissory note, deed of trust), we are ready to close. At closing, the deed of trust is recorded against the title of the borrower’s property, in the name of investor(s). Your investment is secured by the recorded deed of trust. After recording, the funds are released from escrow to the borrower. For loans that have already closed escrow, and those that are seasoned, all pledged funds are deposited into an assignment escrow. The loan is then assigned to the new owner(s) and recorded. After recording, the funds are released from the assignment escrow to the seller(s) of the loan.
Once escrow has closed, the loan will be boarded with our servicer who will collect monthly payments from the borrower, and process monthly distributions to the Investors. The interest income on the loans you have invested in are automatically deposited each month into your bank account. Loan servicing is managed by Pacific Private Money, Inc., with over $100 Million representing approximately 250 loans in servicing and a 10-year operating history.
When the borrower is ready to pay off their loan, either at maturity or earlier, a payoff notice will be provided to you. At payoff, a final interest payment will be made to you along with your remaining principal balance. Your capital is then ready to reinvest.
TRUST DEED INVESTOR QUALIFICATIONS
To make Trust Deed investments through the PrivateMoneyLoans.com online marketplace, you do not have to be an Accredited Investor. However, you must be a Qualified California Resident or Qualified California Entity, and the investment must be deemed to be suitable and appropriate for the investor, given the investors investment objectives, portfolio structure, and current financial situation, collectively defined as a “Qualified Investor”.
As part of the registration process, each investor will have to certify that they are a Qualified Investor, which qualification requirements are as follows:
Determining Suitability: The factors that determine whether an investor or entity is a Qualified Investor under California law include investor net worth, income, age, financial situation, investment experience, investment objectives, past investments, and other investments currently held by the investor.
Qualification Based on Income or Net Worth: Investors must meet the qualification that a single Trust Deed investment does not exceed (a) 10% of their net worth, exclusive of home, furnishings, and automobiles or (b) 10% of your adjusted gross income for federal income tax purposes for their last tax year or as estimated for the current year.
Capacity to Understand the Investment: Investors must have the financial sophistication and capacity to understand the fundamental aspects of the investment due to their education, business, financial, or investment experience.
California Residents and Entities:
Individual whose income exceeded $200,000 in each of the two most recent calendar years and who has reasonable expectation of reaching the same income level in the current year; OR
Ability to Bear the Economic Risk: Investors must be able to bear the economic risk of the investment, up to 100% loss of the capital invested.
Accredited Investors: PrivateMoneyLoans.com is not restricted to Accredited Investors, however, we welcome Accredited Investors who can certify their Accredited Investor status, as they can participate in both our Trust Deed investments and Managed Funds.
INVESTOR REGISTRATION AND TRUST DEED INVESTMENT PROCESS:
- Complete Registration Profile
- Complete Investor Suitability Questionnaire
- Complete Investor Preferences
- We approve your Registration and send verifying email.
- Clink Invest tab to see and review live Trust Deed Opportunities.
- Select Trust Deed, review details, and select “Pledge” amount.
- Review Due Diligence Material sent via an email link. Edit Pledge if needed.
- Receive email that the Trust Deed is fully subscribed and ready for funding.
- Click “Fund” button to download Lender Documents and Wire Instructions.
- Print and wet sign documents, scan, and save. Click “Fund” and upload docs using upload utility.
- Wire funds from your bank per Wire Instructions and click to confirm the wire transmission.
- Receive funding confirmation email, Lender Welcome Package from Servicer and then the first ACH deposit.
Pacific Private Money Inc. operates under the following lender licenses: California Real Estate Broker, license no.1897444 • California Finance Lender, license no. 6054605 • Mortgage Loan Originator, NMLS license no. 945582
“We want to be your trusted first choice in Trust Deed investing, and your experience with us to be not only a good, solid, investment… But also, quick, easy, and fun!
With PrivateMoneyLoans.com we believe we have accomplished this goal. We hope that you enjoy investing with us and working with our talented team. Please feel free to contact us personally, anytime, if there is anything we can do to help. Thank you!”
Mark Hanf, Broker, Pacific Private Money Inc.
CA DRE Broker License 01811186