We are always looking for trust deed
1st Private Capital originates short-term, business-purpose loans secured by real estate. Private investors fund those loans as trust deed investors. If that interests you, tell us who you are and we will send you the prospectus.
This page is informational only. It is not an offer or a solicitation of any kind. See the disclosure below.
A loan, secured by real estate, in three documents.
A trust deed investment is not a share of a company and not a bet on prices going up. It is a loan. The borrower owes the money, the property secures it, and the paperwork says so on the public record.
The borrower's written promise to repay a stated amount, at a stated interest rate, by a stated date. The note is where the investor's return comes from: interest the borrower pays for the use of the money.
The security instrument. It is recorded against the property in the county where the property sits and names the lender as the beneficiary. Until the note is paid, the property cannot be sold or refinanced free of that lien.
Real estate you can drive past. If the borrower stops paying, the property is what stands behind the loan. That is the whole idea: the investment is only as good as the real estate and the equity beneath it.
Interest, not appreciation. Collateral, not a promise.
Trust deed investors are lenders. They are paid for the use of their capital, they sit behind a recorded lien, and they know the exit before the loan is made. Here is what draws people to it, and the other side of it in the same breath.
Every loan we originate is secured by real estate, with the lien documented and recorded. The security is a specific property, not a pool of promises.
Loans are typically structured with approximately 30% to 35% borrower equity in the transaction. The borrower has real capital at stake ahead of the loan.
Our loans are short-term by design, with a defined exit - a sale or a refinance - underwritten before the loan is ever made.
Borrowers can default. Property values can fall. Foreclosure takes time and costs money. Capital is committed for the term and is not liquid. Nothing here is insured or guaranteed.
The same discipline that protects the loan protects the investor.
We underwrite the deal, not a credit score. Every loan is evaluated in-house by the people who approve it. The full picture is on the private investors page; the short version is below.
The property, its value today, and what it can be. Value is evaluated in-house, and the equity in the transaction is the loan's strength.
Every loan is made to a real estate investor for a business purpose and secured by real estate. Eligibility is determined by the use of proceeds and applicable law.
A sale or a refinance, identified before the loan is made. We lend toward the way the money comes back, not around it.
The note, the deed of trust, title, and the closing all run through escrow and the public record. Nothing rides on a handshake.
From prospectus to recorded deed, in five steps.
Becoming a trust deed investor with 1st Private Capital is a process, not a checkout page. It moves at the pace of understanding.
Use the form below. We send the prospectus to the email address you provide - who we are, what we originate, how loans are secured, how investments are structured, and the risks in plain words.
Take your time with the prospectus and bring your questions. An introduction conversation covers how we lend, what we do and do not do, and whether this is a sensible fit on both sides.
Before anything moves forward, we confirm that participation would be appropriate for you and complete the verification steps that apply to your situation and your state.
Any participation happens only through definitive written documentation, reviewed at your own pace and with your own advisors. Funds move through escrow, and the deed of trust is recorded.
Payments are collected and remitted, statements are issued, and at maturity the borrower pays the loan off through a sale or a refinance. Then the conversation about the next one begins.
No investor-relations layer. Questions about a loan go to the team that made it.
Everything we would want to know first.
We do not publish rates, minimums, or terms on this page, because the prospectus and the definitive documents control. The prospectus is where the specifics live.
It is written for a careful reader: someone who wants to understand how the money is secured before asking what it pays.
- Who 1st Private Capital is and how the firm is licensed
- What we originate, where, and for whom
- Underwriting standards and how value is evaluated
- How investments are structured, secured, and documented
- How the process works, from introduction to funding to payoff
- The risk factors, stated plainly
- What happens next if you want to proceed
Plain answers, before the prospectus.
What is a trust deed investment?
A trust deed investment is a loan secured by real estate. The borrower signs a promissory note, and a deed of trust is recorded against the property as security for that note. The investor's return comes from the interest the borrower pays on the note, and the property stands behind the loan if the borrower does not.
Do I need to be an accredited investor?
It depends on how a particular investment is structured and where you live. Tell us your status on the request form and we will walk through what applies to your situation during the suitability step. "Not sure" is a fine answer.
Can I invest through a self-directed IRA or other retirement account?
Many trust deed investors do. The mechanics run through your account custodian, and the custodian's requirements apply. Note it on the request form and we will cover the specifics with you.
What is the minimum investment?
The prospectus states the current minimum and how investments are sized. We do not publish figures on this page, because the prospectus and the definitive documents control.
How is the investment secured?
By a recorded lien against real property. Loans are typically structured with approximately 30% to 35% borrower equity in the transaction, so the borrower has real capital at stake ahead of the loan. Recorded liens and equity positioning describe how loans are built; they do not guarantee any outcome.
Where are the loans?
1st Private Capital lends across 44 states. The Where We Lend page carries the current state-by-state footprint.
What happens if a borrower stops paying?
The loan documents and state law define the remedies, which can include foreclosure on the property. Timelines and procedures vary by state, resolution takes time, and a default can result in a loss of some or all of the invested capital. This is the central risk of trust deed investing, and the prospectus addresses it directly.
Can I get my money out early?
Generally no. A trust deed investment is tied to the term of the underlying loan and is repaid when the borrower pays the loan off. It is not a liquid investment and there is no public market for it. Only invest capital you do not need during the term.
Tell us who you are. We will send it.
A few questions so the prospectus and the follow-up fit your situation. None of it commits you to anything, and we do not share your information.
Prefer to talk first? Call (323) 304-4978 or email info@1stPrivateCapital.com.
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This page is provided for informational purposes only. Nothing on this page is an offer to sell, or a solicitation of an offer to buy, any security or any other investment, and nothing on this page should be read as a promise, projection, or guarantee of any return, yield, or outcome. Any offering, if made at all, would be made only to qualified persons, only in jurisdictions where it is lawful, and only through a prospectus or other definitive written documentation that governs its actual terms, which would control over anything described here. Trust deed investments are not bank deposits, are not insured by the FDIC or any government agency, are not liquid, and involve risk, including the possible loss of the entire amount invested. Descriptions of loan structure, equity positioning, and recorded liens explain how 1st Private Capital builds its loans and are not a guarantee of any outcome. Prospective investors should rely on their own legal, tax, and financial advisors.
This page is a draft for review and completion by counsel.