Greenview Lending Corporation arranges residential and commercial mortgages and funds these loans with private investor capital. We receive new loan requests weekly, which in turn creates a steady stream of attractive trust deed investment opportunities. If you are a seasoned trust deed investor and seeking an attractive residential or commercial trust deed investment, please contact Jay Green at (714) 747-1912 or email him at jay@greenviewlendinfg.com to learn more about available investment opportunities. For those new to trust deed investing, please contact Jay Green at (714) 747-1912 or email him at jay@greenviewlending.com to learn more about trust deed investments or to schecdule a one-on-one meeting.
If you are a private investor looking to invest in real estate, but do possess the know-how or time required to aquire investment properties, trust deed investment are an excellent alternative. TD investments can offer attactive annual returns through a more passive investment vehicle. Every Greenview trust deed is secured by desirable California properties, and offer potentially high annual yields that can sometimes out perform the ROI achieves from investment property ownership. Our mangement team has over of 18 years of experience arranging private money loans and working with private investors. We have met hundreds of investors and have enjoyed building long-standing relationships. Upon your request we will furnish names and nunbers of trust deed investors we regularly work with.
The note rates and effective annual yields offered on our first position trust deed investments ranges between 10% to 12%. Some note rates may be lower or higher depending on the negotiated terms of the note "loan". The note rate for each loan will be predicated upon several factors, not limited to the loan-to-value ratio, the underlying subject property collateral, and other credit and risk factors such as the borrower's credit, rental income and specific factors of each lending scenario.
Our trust deed investments are secured by residential. multi-family and commercial properties. One individual investor will fund and own 100% of every trust deed investment. We do not pool or place investor funds into a collective fund. Each investor will have the opportunity to physiallcally inspect, which may be limited to a drive-by if tenant occupied, and review a full credit and application pacakge to make a sound instment decision. Every investor will have access to a credit package, which hshall include and not limted to a loan application, borrower credit report, rental agreements, preliminary title report, evidence or hazard insurance, appraisals and other documentation.
The California Department of Real Estate (DRE) regulates and oversees most mortgage and lending activities and Trust Deed Investing that occurs within the State. The DRE has some useful information regarding Trust Deed Investing and characterizes the process well Click on the DRE link below to read their comments.
By Jay Green, President Greenview Lending Corporation
Trust Deed Investments are an exceptional way to build wealth and protect your capital by investing in a real estate secured investment. However, like most investments, there are risks associated with trust deed investments. With knowledge, experience and patience, most investors can learn to select the most appropriate trust deeds to reduce risks and increase the likelihood of achieving his or her investment objectives.
A Trust Deed Investment is created when an Investor purchases a Promissory Note and Deed of Trust. At such time, the investor becomes "the bank" and holds a legally negotiable instrument that is secured by real property.
The Mortgage Lending process is characterized by the arranging of a loan to a borrower who executed a Promissory Note and Deed of Trust (Trust Deed) secured (recorded against) the real property. The Promissory Note is the borrowers promise to repay the loan, and the Deed of Trust is a security instrument (lien) recorded against the borrower's real estate. Trust Deeds are saleable instruments that are regularly sold in the secondary mortgage market.
Greenview Lending Corporation is an active participant in a smaller sub-market referred to as Private Mortgage Lending. This market consists of private investors that purchase Trust Deeds seeking higher returns from a secured mortgage and earn the interest due under the terms of the Note.The Private Mortgage Lending market evolved from the demand from borrowers who could not obtain loans through conventional sources, because of poor credit, unverifiable income, time prohibitive situations, yet they had sufficient equity in their properties.
Loans were made to borrowers based on their protective equity and new first or second mortgages were created. The benefit to the lender and private investor is that these have higher interest rates, typically 10% – 20%.Private Mortgage Loan opportunities are great for investors where double-digit returns can be realized from these very attractive and secured investments. The risk associated with these loans is very acceptable since the amount of protective equity in the property provides protection to the investor against payment defaults, market fluctuations and property devaluation. Protective Equity is what provides security to the Trust Deed. Greenview Lending Corporation typically requires that every property it lends against has a minimum of 35% to 40% protective equity.
To illustrate, if a property has a Fair Market Value of $1,000,000, the fund restricts the loan to a maximum of $650,000; conversely, we would not permit a loan any higher than 60% to 65% of the Fair Market Value; also referred to as the Loan-To-Value Ratio. Typically, the lower the LTV, the better and more attractive the Trust Deed Investment is, thus warranting consideration for the fund. Since the amount of protective equity directly relates to the security of the Trust Deed, it is fair to say that the primary risk to the investor relies on the amount of protective equity remaining in the property.
Experienced investors who meet the above suitability requirements may request to receive regular email notifications of new trust deed investments. Typically, new trust deed offerings are sent to every investor throughout the week.Knowledge and continued experience makes a good trust deed investor better. Greenview Lending Corporation typically sells one trust deed investment to one qualified investor.
Greenview Lending Corporation does not fractionalize or pool investors. Greenview Lending Corporation will consider a fractionalization for only interested investors. Investors may service their own loans. Greenview Lending Corporation will assist newer investors select an independent loan servicing company. Investors interested in purchasing trust deed investments from Greenview Lending Corporation should contact Jay Green at (714) 747-1912 or by email at jay@greenviewlending.com. All investors may also schedule a time to meet personally with Mr. Green.