Private Real Estate Lending

Earn Income Backed by
Real Estate

Explore professionally underwritten Trust Deed Investments designed for investors seeking passive income, tangible collateral, and an alternative to traditional fixed-income products.

Request Current Opportunities How Trust Deeds Work
Secured
Recorded Deed of Trust
Income
Contractual Payment Terms
Vetted
Collateral, Capacity & Credit
Passive
No Tenants or Management
A Straightforward Concept

You Become the Lender

A Trust Deed Investment is a private real estate loan. Instead of owning the property, you provide capital to a borrower and receive a security interest in the underlying real estate.

1
The loan is documented.

The borrower signs a promissory note defining the payment and maturity terms.

2
Your security interest is recorded.

A deed of trust is recorded against the property.

3
Payments are administered.

A loan servicer may collect payments and distribute proceeds to the investor.

Why Investors Consider Trust Deeds

Real Estate Exposure Without Property Ownership

Trust deed investing combines income potential with the security of specific real estate collateral, while avoiding many of the operational burdens of owning rental property.

Tangible Collateral

The investment is secured by a recorded lien against identifiable real property.

Income Potential

Loans are structured to make periodic interest payments under defined contractual terms.

Conservative Leverage

Loan-to-value discipline is used to create an equity cushion between the loan balance and property value.

Passive Participation

No tenants, repairs, leasing activity, property taxes, or day-to-day property management.

Shorter Duration

Private real estate loans have shorter maturities than conventional mortgages or long-duration bonds.

Portfolio Diversification

Performance is driven primarily by the loan structure, borrower performance, and underlying real estate.

Our Underwriting Philosophy

Yield Is Not the First Question

The quality of a Trust Deed Investment depends on the collateral, the borrower's repayment capacity, the exit strategy, and the structure of the loan.

“We evaluate every opportunity as though we were investing our own money.”

Property type and marketability
Independent valuation support
Loan-to-value analysis
Borrower experience and capacity
Credible repayment strategy
Title, insurance, and lien position
The Investment Process

Designed to Be Clear and Deliberate

Step 01

Discuss Your Objectives

Review income goals, capital availability, time horizon, and risk tolerance.

Step 02

Review Opportunities

Evaluate the loan summary, property information, valuation, title, and risk disclosures.

Step 03

Select a Loan

Choose whether a particular opportunity fits your investment criteria.

Step 04

Fund Through Escrow

Investor funds are directed through the closing process rather than treated as an unsecured deposit.

Step 05

Receive Servicing

Payments, statements, payoff processing, and loan administration are handled under the servicing arrangement.

Investor Fit

Is Trust Deed Investing Right for You?

May Be Appropriate For Investors Seeking

  • Passive income from private real estate credit
  • Investments secured by tangible collateral
  • Alternatives to public-market fixed income
  • A defined loan structure and maturity
  • Opportunities that may be held in eligible self-directed retirement accounts

Important Considerations

  • Trust deed investments are generally illiquid
  • Borrowers may pay late or default
  • Foreclosure can involve delay and expense
  • Property values may decline
  • Principal is not guaranteed or government insured
Frequently Asked Questions

Start With the Fundamentals

Explore Whether Trust Deed Investing Fits Your Income Strategy

Request educational information and speak with the GPM Capital team about the process, current availability, and the due-diligence materials provided for individual opportunities.

Request Investment Information

Trust Deed Investments involve substantial risk, including borrower default, delays in repayment, foreclosure expense, changes in real estate value, limited liquidity, and possible loss of principal. They are not bank deposits, are not insured by the FDIC or any other government agency, and are not guaranteed. Information on this page is educational and does not constitute an offer to sell or a solicitation to buy any security. Any offering will be made only through the applicable legal documents and to investors who satisfy all eligibility requirements. Prospective investors should review all documents and consult their own legal, tax, and financial advisers before investing.

Loans originated by Gateway Private Money Inc., CA Real Estate Broker, License No. 02230924