Investment Process In Trust Deed Notes:
Safety, Liquidity, and Yield
Investment in trust deed notes does contain a inherent risks, they are not insured by the FDIC as are Certificates of Deposit. The insurance in trust deed investments is in the form of equity in the property. Equity is the most valuable insurance a trust deed investor can have, and it is the most important risk an investor has to evaluate. To assist you in this due diligence evaluation, when a property owner comes to Gold Country Commonwealth for funding, we will either send out an appraiser and if applicable our own inspector to evaluate the property. Along with our careful analysis of various aspects of the properties value, we are able to determine the maximum loan amount.
Equity the Investors Insurance
Please understand that as equity is the trust deed investors insurance, to tap into that insurance will take 120 days in the event of a default. Considering that adequate equity exists in the property of 30% or greater, a good reputable appraisal is vital, should a sale of the property be necessary under California foreclosure guidelines, first trust deed loans are first in line to receive payment, under typical conditions.
Let Gold Country Commonwealth Work the Details
It is our responsibility to keep your investment protected so that you are in first position if a default on the payment of a loan occurs. There are several important instruments that protect Trust Deed Investments that are our responsibility manage that will keep your investment protected. They include but are not limited to,current premiums on Fire and Hazard Insurance Policies, Title Insurance, proper loan to value ratio (equity in the Property), specific language in the Promissory Note and first deed of Trust on the property.
Our Job to Protect your Investment
Gold Country Commonwealth is an asset based lender, whose greatest priority is to protect a Private Lender’s Investment. From an equity standpoint, the maximum allowed loan amount will rarely exceed 70% of the property’s final market value. Once the required loan amount has been determined, private Lenders are notified about the current investment opportunity. At this point private investors are allowed complete freedom to review the facts of the loan request before they decide to commit to the loan opportunity.
Investment Experience Important
If you are the type of person who will Invest in first trust deeds you should already have some investment experience under your belt. Investments in CD’s, Mutual Funds, Stock’s and bonds all carry a risk related to the return on investment. Some of these investments can reduce your principal or limit your investment income due the risks associated with them. These investments show a person who realizes the need to grow money to keep ahead of inflation and develop future income by having their money work for them.
Investment Return
Trust Deed investments typically earn 10% to 12% interest return with less risk and much less hassle than the typical stock market investment. If you are tired of the constant monitoring and requirement of investing in the stock market you will be pleasantly surprised with trust deed investing. Once you invest in trust deeds you won’t have to do any monitoring just collect your monthly interest checks.
IRA investment in Trust Deeds
People who are responsible for self directing their IRA or 401-K investments are the type of person who is taking control of their financial future. This innate drive is the key to success and to retiring wealthy. You can invest your self directed IRA and/or 401-K into first trust deeds.
Put Gold Country Commonwealth to Work for You
Trust Deed Investment’s require very little time and energy to maintain after making the initial investment. If you know that Trust Deed Investing is for you, we invite you to join with us in creating wealth for your future.
