Investment Opportunities
Investing in California Trust Deeds offers a real estate investment alternative, with potential annual returns ranging from 10% to 13%. These investments are secured by tangible real property, minimizing risk while providing a steady income through fixed payouts. It's an ideal choice for investors seeking higher yields and stability.
Investing in Trust Deeds
Loan Servicing
The Loan Servicing Department at Creative Realty Mortgage Inc. manages the collection of various notes associated with real estate loans. Regardless of whether the loan originated from Creative Realty Mortgage Inc. or an outside source, we guarantee efficient and professional collection services.
Funding for Construction Projects
Creative Realty Mortgage Inc. provides private money (hard money) funding tailored for construction projects. This alternative financing option supports builders and developers who may not qualify for traditional bank loans due to project scope or timeline constraints.
Funding for Commercial Projects
We specialize in private money funding for commercial projects, offering flexible solutions that cater to the unique needs of businesses. Whether you're expanding facilities or acquiring commercial real estate, our funding options are designed to facilitate growth and opportunity.
Equity Loans
Our equity loans are designed for borrowers navigating outside the conventional banking system. These loans provide access to capital secured against existing real estate equity, offering a strategic financial solution for various business needs.
Along with a full set of other documents disclosing the responsibilities of the borrowers.
Trusted Reputation
With a proven track record in California's building and investment sectors, Creative Realty Mortgage Inc. is recognized for its commitment to integrity and performance. Join us in building wealth and community through strategic investments and financial partnerships.
Collection
Creative Realty Mortgage Inc. Loan Servicing Department handles the collection and administration of Trust Deed Investments. Whether the loan was originated through Creative Realty Mortgage Inc. or externally, we ensure efficient and professional collection services.
Monthly Lender Payouts
We provide monthly payouts to lenders, ensuring the timely and consistent distribution of funds based on loan agreements and schedules.
Statements and Payoffs
Our services include issuing beneficiary statements and managing demands for loan payoffs, facilitating transparent communication between borrowers and lenders.
Year-End Statements and Reporting
Creative Realty Mortgage Inc. generates comprehensive year-end statements for lenders, simplifying tax reporting and financial management. We handle the preparation and distribution of 1098 and 1099 forms for year-end reporting.
Property Insurance and Tax Tracking
We track and monitor property insurance and taxes associated with the loans, ensuring compliance and the protection of collateral.
Property Evaluation
All client and property information undergoes rigorous screening and processing by Creative Realty Mortgage Inc. Property valuations are conducted by licensed third-party appraisers to ensure accuracy and reliability.
Borrower Due Diligence
We conduct thorough due diligence to verify borrowers' ability to repay loans according to agreed-upon terms. This includes assessing potential cross-collateralization with other real estate and evaluating liquid and hard assets that may serve as collateral.
Presentation to Investors
Once a loan meets our lending criteria, we present detailed transaction information to our network of private lenders for their immediate consideration.
Investment Security
Investments with Creative Realty Mortgage Inc. are secured by a Note and a recorded Deed of Trust, providing investors with tangible security and peace of mind.
Payment Handling
Borrowers make payments directly to Creative Realty Mortgage Inc., which distributes interest and principal payments to investors according to agreed-upon terms.
Individual Investors
Individuals looking to diversify their investment portfolios with secure, fixed-rate returns through trust deed investments.
Family Trusts
Trusts established for the benefit of family members can participate in trust deed investments to generate income and preserve wealth.
Corporations
Corporate entities seeking investment opportunities that offer reliable returns secured by tangible real estate assets.
Limited Partnerships
Partnerships where some partners have limited liability and participate in investments to achieve financial growth.
General Partnerships
Partnerships where all partners have equal responsibility and may invest in trust deeds for stable returns.
Individual Retirement Accounts (IRAs)
IRAs can invest in trust deeds to grow retirement savings with the security of real estate-backed investments.
Pension Plans
Organizations offering pension plans can diversify their investment portfolios with trust deed investments for consistent returns.
Institutional Lenders
Financial institutions and large organizations can participate as lenders in trust deed investments managed by Creative Realty Mortgage Inc.
Mortgage Partnership Pools
Pools of investors or lenders collaboratively investing in trust deeds managed by Creative Realty Mortgage Inc. for mutual financial benefit.
Introduction to Self-Directed IRAs
A self-directed IRA allows investors to diversify their retirement savings by directing funds into various investments, including trust deeds. Creative Realty Mortgage Inc. facilitates this process, ensuring seamless integration of IRA funds into trust deed investments.
Custodian Requirements
Your IRA funds must be held by a third-party custodian, acting as an intermediary for trust deed investments. Ensure your custodian supports self-directed IRA investments in trust deeds. You can reach out to us for recommendations if your current custodian does not provide this service.
Transferring Funds
Once your self-directed IRA is established and funded, inform Creative Realty Mortgage Inc. of your investment preferences. We will present suitable trust deed opportunities for your consideration.
Document Handling
Upon selecting a trust deed investment, we will provide the necessary documents for your review and signature. Our team will coordinate with your custodian to facilitate the transfer or rollover of funds securely and efficiently.
IRA Investment Versatility
A self-directed IRA offers flexibility in investment choices, allowing you to diversify your portfolio beyond traditional assets. Trust deed investments within an IRA provide stable returns backed by tangible real estate assets, aligning with long-term financial planning goals.
Long-Standing Investment Strategy
Investing in real estate and trust deeds through IRAs has been a viable strategy for over three decades, offering investors stability and growth potential within tax-advantaged retirement accounts.
High Fixed Yield
Achieve substantial returns with fixed yields ranging from 10% to 13%, historically outperforming traditional stock market averages.
Fixed Income Security
Trust deed investments offer predictable income streams secured by tangible real estate assets, making them a reliable component of investment portfolios.
Diversification Opportunity
Diversify your investment portfolio and mitigate risk by adding trust deed investments, reducing volatility, and enhancing overall returns.
Security and Stability
Invest with confidence, knowing that trust deeds are backed by California real estate, providing robust security and stable returns.
Low-Cost Servicing
Enjoy cost-effective servicing fees ranging from 0.50% to 1.50% annually, calculated based on the unpaid principal balance of the loan.
Ideal For
Ideal for retirees or those seeking supplemental income alongside pensions and Social Security.
Real Estate Security
Rest assured knowing that your trust deeds are strictly secured by tangible real estate assets, providing added peace of mind.
Non-Government Insured Investments
Trust deed investments are not insured by the FDIC or any other government agency, emphasizing the importance of understanding inherent risks.
No Guaranteed Investment Success
Creative Realty Mortgage Inc. and its associates do not provide guarantees regarding investment success. Investments involve risks and are suitable for individuals with adequate financial means and long-term investment horizons.
Property Valuation Risks
Property values assessed by appraisers reflect opinions at specific times and may not always represent fair market values due to economic fluctuations.
Borrower's Financial Stability
The borrower’s ability to repay the loan depends on their financial circumstances, which can change over time and impact investment returns.
General Real Estate Risks
Real estate investments are susceptible to risks such as economic conditions, neighborhood trends, interest rates, property taxes, supply and demand dynamics, and borrower access to alternative financing.
Default and Foreclosure Risks
Borrower defaults can disrupt regular income payments, potentially leading to foreclosure proceedings and associated financial impacts.
Investment Risk Disclosure
All investments entail inherent risks. Investments made through Creative Realty Mortgage Inc. are not guaranteed to accrue interest and are not insured. Past performance does not guarantee future results. Before investing, investors will receive relevant disclosure documents outlining the associated risks. Contact us today to learn more about trust deed investments and how we can diversify your portfolio while providing stable returns.