Trust Deed Investing
Trust Deed Investor Information
Iron Oak Home Loans is a California-based private money lender specializing in residential purchase and refinance loans. We originate and service first-position mortgages that deliver competitive returns to investors, while offering borrowers an alternative to traditional bank financing.
What is Private Money Lending?
Private money lending is for borrowers or properties who do not qualify for conventional financing. In California, these loans are secured by deeds of trust recorded against real property, giving investors a tangible asset as collateral. This type of lending allows:
- Investors to earn attractive, secured returns that are backed by real estate.
How It Works
How a trust deed investment works
What We Fund
Loan Program Highlights
- First position purchase mortgages on
- Owner-Occupied Properties
- Bridge loans
- Non-owner-occupied properties
- Multi-Unit properties
- Fix-and-Flips
- Loan-to-value ratios: Up to 70%
- Loan terms: 12-Months for bridge Loans, 12-24 months for non-owner-occupied loans, 10-Years for owner-occupied loans
Where We Operate
- Based in Pleasanton, California
- Originating and servicing loans exclusively within California
Investment Returns & Support
- Contact Chris Mathers in our office for the current investor return rates
- References from current investors available upon request
Investor Participation
- Every loan request is reviewed and approved by investors prior to funding.
- The note and deed of trust are recorded in the investor’s name.
- Iron Oak handles loan servicing, collections, and monthly distributions, so investors receive passive income while retaining security of their investment.
Borrower Qualification
At Iron Oak, we take a thorough yet fair approach to lending. As part of our due diligence, we will:
- Require potential borrowers to show the ability to repay
- Evaluate each property individually to declare value
- Obtain a full credit reports
- Perform a background check
Additionally, we ask all borrowers to present a clear and realistic exit strategy. Since our loans are designed as short-term solutions, it’s important to us that each borrower is set up for long-term success, not financial strain, once the loan term ends.
Interested in becoming a trust deed investor?
Contact Chris Mathers in our office for the current investor return rates. References from current investors available upon request.