Blog - Pacific Private Money

In my New Years post I hinted at the fact that when you lend privately, not only are you supercharging your savings by boosting your savings yields, but you’re providing needed and necessary capital that helps create wealth and opportunity for others—thereby contributing to the growth of the economy.  This is an important aspect of…

I’m a capitalist. I help create wealth.  I own a small business—one that will be hiring in 2010.  I read that small business will drive the recovery.  Someone should tell that to our elected officials. As an originator of private money (aka hard money) loans, I and brokers like me are doing our part to…

I network with a lot of other private money brokers in the Bay Area.  We see each other at various seminars and lender conferences.  I like to compare notes and talk about our growing industry.  Most of us agree that much of the public remains unaware of trust deed investing, even though a lot of…

Sometimes, taking the road less traveled can truly make a difference, especially when it comes to investing for retirement.  You might ask yourself, “should I continue to invest in stocks and mutual funds in this uncertain market, or are there alternatives that can help me to better achieve my goals?” Despite unimpressive overall stock market…

Of all the income-producing investment alternatives, few are more transparent than trust deed-secured notes.  Investing in a secured note that is originated through a reputable and experienced broker can provide high monthly income with easily understood and quantifiable risk factors. Consider the fact that you have the individual borrower(s), whose credibility you can assess through…

Nature abhors a vacuum.  As conventional financing sources dried up over the past two years, private lenders have stepped up to fill the void.  And with that has come competitive market forces that are driving private note yields south.  Many new mortgage pools have been formed this year, and some are offering loan rates on…

In my October 5 post I shared why I thought that it was a great time to consider Trust Deed investing.  Throughout the horrible 4th quarter where we saw real estate values continue their plunge, our company continued to write loans, but with a marked difference.  We wrote almost no “equity-only” loans, and requested full…

“Most Americans are simply not prepared to fund twenty years of retirement.”  That’s a direct quote from Tom Anderson, founder and president of PENSCO Trust, one of the nations leading self-directed IRA custodians. And this was before the recent meltdown in the stock market. Many, if not most, are not on track to retire successfully. …

The present banking and financial crisis is creating a growing demand for alternative financing sources. Banks are particularly bearish toward real estate investors, many of whom are seeking financing to leverage their acquisition of bank-owned properties. Of those banks who are still considering investor loans, many won’t loan to you if you own more than…