We move as fast as title, escrow and insurance allow!

We do not require appraisals, personal financial statements, or tax returns.

  1. 24-hour initial loan request review
  2. Lender letter of intent issued
  3. Simple borrower application completed
  4. Open escrow/obtain preliminary title report
  5. Receive borrower documentation (LLC or LP agreement, budgets, rehab or development plans, evidence of insurance, etc.)
  6. Development cost review where rehab or new construction is involved
  7. Generate loan documents for review and comment
  8. Submit loan documents to escrow
  9. Receive evidence of insurance
  10. Wire loan and borrower funds
  11. Close escrow
Property Geographic Area Details
Southern California - San Diego, Orange and Los Angeles counties | Denver Metro and the Colorado Front Range
Loan Amounts
$1,000,000 to $4,000,000
Interest Rates
8% to 11%
Loan Terms
6 months to 24 months
Origination Fees
1% to 2%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Maximum Leverage

Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Residential Fix & Flip
Max LTP: 75%
Max LTC: 75%
Max LTARV: 65%
Residential Rehab & Hold
Max LTP: 75%
Max LTC: 75%
Max LTARV: 65%
Multifamily Value-Add
Max LTP: 65%
Max LTC: 65%
Max LTARV: 65%
Commercial Value-Add
Max LTP: 65%
Max LTC: 65%
Max LTARV: 65%

Short Term Loan Programs for SFR Fix and Flip, Acquisition/Bridge and Construction

  • Loan Amount – $1M to $4M
  • Loan to After Repair Value – Up to 70%
  • Loan to Acq Cost up to 75%
  • Reno Costs funded 100% subject to 70% LTARV
  • Interest Rate – 8 – 10%
  • Loan Term – Up to 24 months
  • Lien Position – First
  • Loan Points – 1.0% to 2.0%

Medium Term Loan Programs for Income Producing Properties

  • Loan Amount – $1M to $5M
  • Loan to Value – Flexible up to 65% Loan to Value at 6% Cap Rate on Current NOI in Place
  • Interest Rate – 5.99 – 7.99%
  • Loan Term – 3 to 5 years
  • Lien Position – First
  • Loan Points – 1.0% to 2.0%

Property Types

  • 2-4 Units Residential
  • Cannabis Grow Facility
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Multifamily
  • Office
  • Religious Facility
  • Retail
  • Senior Housing
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • Cannabis Use Properties
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Note Purchase
  • Reverse 1031 Exchange

Max Loan-to-Purchase Price

75%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
We'll lend 75% Loan to Acquisition Cost (will consider 80%) and 100% of Reno Costs

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

2

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

2

Maximum After Repair Value

70.00%

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

73%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

no

Legal Fee

$2,000

Fees which are mandatory for all new borrower clients

  • Legal Fee
  • Renovation or Construction Funds Draw Fee

Fees which are paid to a third party company

  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Environmental Report Fee

Details and Requirements

Typical Closing Time (Days)

2

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
Pre Payment Penalty

yes

12 Month Lockout. 2% in Year 2, 1% in Year 3, 0% Thereafter.
Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
Documentation Required
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Depends on Lender Assessment of Borrower Experience, Quality of Asset and Geographical Location
Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

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Trinity Mortgage Fund (“Trinity”​) is a San Diego and Denver based Private Lender originating loans secured by commercial real estate focusing on the San Diego, Orange and Riverside County markets in California, as well as the Denver Metro and Colorado Springs markets in Colorado. Trinity originates primarily first trust deed loans for a wide variety of real estate properties, including loans secured by entitled or nearly entitled land, commercial property, multi-tenant industrial property, multi-family property, new construction and rehabilitation/fix and flip loans and loans on 1-4 unit residential properties (excluding owner occupied single family homes).

Over the past 35 years the Principals of Trinity have been directly involved in the acquisition, entitlement, finance, development, leasing and management of virtually every type of commercial and residential real estate. The Principals have a long and committed relationship starting together in 1992 and continuing to this day. This long-standing commitment to each other extends to all of our investor, investment and financing relationships. The Principals extensive experience includes downtown office high rises; suburban office buildings; light and heavy industrial; research and development; market rate for sale homes and condominiums; environmental mitigation banks; market rate and affordable rental housing including – family, senior, student, military and special needs projects. The breadth and depth of this experience uniquely qualifies us to assess risk and potential in each and every loan we consider for the Fund. We are a true value-add relationship for every Borrower we work with.

License

CA-CFL No. 60DBO 59425

Company Size (Number of Employees)

5

Year Established

2016

Associations

  • American Association of Private Lenders

Office Locations

Denver Office
8200 S Quebec Avenue, Suite A3306, Centennial, CO 80112

San Diego Office
1565 Coast Blvd., Del Mar, CA 92014

Primary Capital Source
  • Individual Investors
Alternative Capital Sources
  • Own Funds
  • Family Offices
  • Friends & Family
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

25%

Percentage of Loans Secured by Residential Property

75%

Total Number of Loans Funded to Date

65

Total Loan Volume Funded to Date

$90,000,000

Our Team

Steve Kuptz

Managing Principal

CA-CFL License - 60DBO 59425

Cole Francis

Managing Principal

CA-CFL License - 60DBO 59425

John McColl

Managing Principal

CA-CFL License - 60DBO 59425

Whitney Austin

Director of Operations

Funded Deals

Get In Touch

Trinity Mortgage Fund pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$1,000,000

What We Do

  • Properties in SoCal & Denver Metro
  • CRE & Residential Investment
  • Fast Bridge Loans
  • Major Rehab Projects
  • Ground-Up Construction

Not Available

  • NO 100% Financing (Need 25% down)
  • NO Vacant Land Loans
  • NO Owner-Occupied Homes
  • NO Inexperience Investors for Rehabs

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