Get Your Money Working For You
Invest in Deeds of Trust
Presidio Mortgage, Inc. takes special care when finding real estate loans for our investors. More than 90% of our business comes from bank, Realtor, and broker referrals, with whom we have had many years of relationships.
We research the title report, credit history of the borrower, and the property value when assessing the worthiness of the loan. Conservative valuations are used to determine a property’s Loan-to-Value ratio, and rental rates are analyzed to ensure comparable rates of return in the unlikely event of default.
We stand behind our deals and would never invest your money in a transaction we wouldn’t be willing to fund ourselves. We firmly believe trust deed investing is the most strategic way to build wealth, which is why our pensions are 100% vested in private mortgages with Presidio.
Grow Your Money
Get started as an investor with Presidio
Whether you are an experienced investor, or just getting started, Presidio’s expertise will turn your funds into top performing real estate equities.
Select a trust deed investment
As a lender with Presidio, you will get access to our carefully vetted projects and regular updates on new opportunities selected specially for you.
Start earning
Enjoy quick returns with confidence that your investment is secured in real property.
“The best financial decision we ever made was to simplify our financial portfolio by selling our rental properties and investing in first trust deeds with Presidio Mortgage. No more rental headaches. We continue to like real estate investments and like the fact that trust deeds are tied to that market.”
The Advantages of Lending Hard Money
Secured Holding
As opposed to the stock market, with a deed of trust your investment is backed by tangible assets. In the event of a foreclosure, the worst that can happen is that you own the property.
Steady Stream of Income
A deed of trust can provide 6.5% or more return on investment paid out monthly, with a balloon payment of the initial investment due upon the maturity of the note.
Short Term
Many trust deed investment terms are between 1-5 years in length. Access your money in the short term, and always invest based on the current market.
No Unwanted Surprises
Becoming a developer or landlord can result in unexpected costs, delays in construction, terror tenants, and legal problems, making the return on your investment a headache.
Truly Passive
Imagine receiving an interest payment every month after investing in a trust deed that suits your lending style.
Liquidity
With the asset as collateral to protect your initial investment, a performing trust deed can be sold with relative ease providing liquidity.
FAQs
What are the qualifications for investors?
The minimum required investment for trust deed investors is $50,000. No experience is required, however some real estate knowledge for both borrowing and lending is a plus.
Is each project funded by a single investor?
In most cases a single investor will fund a transaction but multiple investors can participate with fractionalized, undivided interest.
How are interest rates determined?
Interest rates are determined by various factors, including the Loan-to-Value ratio, FICO score, and the income/condition of the property.
What will I be responsible for after closing?
The investor collects 100% of interest payments, late fees, and prepayment penalties from the borrower after closing, unless an arrangement with a third party servicing agent has been arranged. Presidio Mortgage can recommend a servicing agent if you’re interested.
What are Presidio’s fees?
There are no fees for trust deed investors. Presidio Mortgage collects an origination fee from the borrower at the time of closing through escrow.
What are my options if a loan defaults?
In the unlikely case that a loan becomes more than 60 days delinquent, an investor may choose to contact a third party that offers foreclosure and trustee services.
“We have had the pleasure of working with Presidio Mortgage Company for over twenty-five years, and have watched our estate grow rapidly thanks to the people in this great company. Presidio has opened the door to financial security not only for us, but our children and grandchildren as well.”