FREQUENTLY ASKED QUESTIONS

Private lending is when an individual (the “lender”) provides funds directly to a real estate investor to help purchase, renovate, or refinance a property. Instead of borrowing from a traditional bank, the investor borrows from a private individual or company. In return, the lender earns a fixed rate of return, typically secured by the property itself. This creates a win-win: the investor gains quick, flexible financing, and the lender earns predictable, asset-backed income.

Private lending is ideal for individuals who want to earn consistent, secured returns from real estate without the burden of managing properties themselves. It’s a great fit if you:

-Want passive income backed by real assets

-Prefer not to deal with tenants, renovations, or market fluctuations directly

-Have capital you’d like to put to work in a predictable, cash-flowing investment

By partnering with experienced investors, you gain the benefits of real estate investing while avoiding the day-to-day responsibilities.

Private lenders typically earn an annual interest rate starting at 8% or higher, depending on the specifics of the deal and current market conditions. Each investment is structured individually, so the exact return is based on factors such as property type, risk level, and loan terms. All returns are agreed upon upfront, giving lenders clarity and predictability.

Your investment is backed by a physical real estate asset. We use proper legal documentation — such as promissory notes, deeds of trust, or mortgages — to collateralize your funds. This means that if the borrower defaults, you have a legal claim to the property, providing an added layer of security and peace of mind.

We use a standard set of documents to protect your investment and clearly define the terms:

-Warranty Deed with Vendor’s Lien – Establishes property ownership and records your position as the lender (filed at the courthouse).

-Deed of Trust – Gives you the legal right to foreclose and take possession of the property if the borrower defaults (filed at the courthouse).

-Promissory Note – Outlines the repayment terms of the loan (kept as a private document).

-Amortization Schedule – Provides a clear breakdown of how each payment reduces principal and interest over time.

This documentation ensures your funds are properly secured and the loan terms are fully transparent.

The timeline is flexible and depends on the specific deal. Some opportunities require quick funding to secure a property, while others allow more time to review and commit. We’ll always let you know the expected timeline in advance so you can decide if it works for you.

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You will receive monthly payments, typically on the 1st of each month. These payments include both principal and interest, according to the terms outlined in your loan documents and amortization schedule. This provides steady cash flow and transparency throughout the investment.

You receive your full investment back when the property is either sold or refinanced. On average, this happens within 2–3 years. However, all agreements include a Balloon Payment (a maturity date for the full balance) set at 5 years or longer, ensuring you have a clear, enforceable timeline for repayment.

Private Lending – You act as the bank. Your investment earns a fixed return, secured by the property. This offers lower risk and predictable income, since your position is defined in the loan documents.

Equity Investing – You become a co-owner of the property. Returns depend on how well the project performs and are typically realized when the property is sold. Equity can offer higher potential upside, but it also carries greater risk since profits are not guaranteed.

We focus on residential real estate projects that provide security, consistent returns, and clear exit strategies. Our portfolio includes:

-Single-family homes

-Small multi-family apartments

-Mobile home parks

We are also expanding into new build construction as part of a build-to-rent strategy, creating additional opportunities for stable, long-term growth.

In the unlikely event that we cannot make payments (which has never happened), you have the legal right to foreclose on the property. Because Texas is a non-judicial state, the foreclosure process is relatively quick and straightforward. At that point, you take ownership of the property — which is already remodeled — and you can either rent it out for income or sell it outright to recover your capital.

Yes. Many of our lenders choose to roll over their principal and interest into future projects. This strategy allows you to keep your capital working, build momentum, and potentially create compounding returns over time.

All funds are wired directly to a licensed title or escrow company, never to the investor personally. This process ensures proper documentation, secure closing procedures, and full legal protection for your investment.

Traditional banks are often slow, restrictive, and unwilling to finance certain projects, such as fix-and-flips, value-add properties, or unconventional deals. Private lending offers:

Speed – Funding can be secured in days, not months.

Flexibility – Terms are tailored to the deal, not rigid bank requirements.

Opportunity – Allows investors to act quickly on profitable properties that banks may decline.

This speed and adaptability give investors a competitive edge in today’s fast-moving real estate market.