Watch the Webinar to Learn More
Join Nam Phan, COO, and Rick Culp, Senior Underwriter, for an exclusive webinar where we’ll unveil the rigorous process behind Pacific Private Money’s Trust Deed investments and introduce you to the Pacific Freedom Fund — a diversified option for passive trust deed investors. Learn how our underwriting standards, case studies, and platform innovations have contributed to maintaining a default rate of less than 1%.
What You’ll Learn:
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Inside the Process:
How our team evaluates and underwrites Trust Deed investments to ensure only the best opportunities make it to our platform.
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Real-World Case Studies:
Examples of deals that meet our stringent criteria — and why they stand out.
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The Pacific Freedom Fund:
A diversified fund designed for investors seeking passive exposure to short-term bridge loans without the need to invest in individual loans.
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Educational Insight:
Explore how Pacific Private Money’s rigorous underwriting process and borrower evaluation contribute to our <1% default rate — helping to protect investor capital.
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Getting Started:
Step-by-step guidance on how to sign up, view opportunities, and begin investing through our platform.
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Live Q&A:
Your chance to ask questions directly to the experts managing your investments.
Disclaimer: This presentation is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to buy any securities mentioned herein. Any such offer or solicitation will be made exclusively to qualified accredited investors through a private placement memorandum and only in jurisdictions where such an offering is legally permitted. Trust Deed investments involve risk and are not guaranteed. Investments are secured by real estate but are subject to market fluctuations, borrower performance, and economic conditions. Past performance does not guarantee future results.
Interested in Investing in Trust Deeds?
Complete the form below and we’ll send you everything you need to get started — including required investor onboarding documents and examples of previously closed Trust Deed offerings.
Why Invest in Trust Deeds?
Trust deed investments combine the income-producing potential of lending with the security of real estate collateral. Here’s why many investors are turning to trust deeds as a fixed-income alternative:
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Real Estate-Backed Security
Each investment is secured by a deed of trust recorded against the property — typically in first position — giving investors a legal claim to the asset if the borrower defaults.
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Attractive Yields
Interest rates offered on trust deed investments often exceed those available through bonds, CDs, or other traditional income investments. These high yields are driven by the short-term nature and specialized underwriting of private loans.
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Monthly Cash Flow
Investors receive regular monthly interest payments from borrowers, creating a steady stream of passive income.
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Conservative Loan-to-Value (LTV)
Loans are underwritten at low loan-to-value ratios — typically 65% or less — which provides a significant equity cushion and reduces risk exposure in the event of borrower default.
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No Active Management
There’s no property management, tenant concerns, or active oversight required. Once the trust deed is in place, your role is entirely passive.
How It Works
Trust deed investing with Pacific Private Money is designed to be straightforward and transparent. Here’s how the process works:
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We Originate or Underwrite the Loan
Each loan is secured by real estate and undergoes a thorough underwriting process. We evaluate the borrower, property, and market conditions to ensure each loan meets our conservative standards.
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You Invest in the Deed of Trust
Once you choose to participate, you are listed as the beneficiary of the note, and the trust deed is officially recorded in your name or entity. This gives you a secured interest in the property.
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Borrower Makes Monthly Payments
Monthly interest payments are collected by our licensed loan servicing company and distributed directly to you — providing steady, passive income.
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Loan is Repaid or Refinanced
At the end of the loan term (typically 6 to 24 months), the borrower either repays or refinances the loan. You receive your original principal investment back in full.
Who Can Invest?
Trust deed investments are ideal for investors who are seeking stable, income-producing alternatives to stocks and bonds. These offerings are typically available to:
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Accredited Individual Investors
Those meeting income or net worth requirements as defined by the SEC.
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Self-Directed Retirement Accounts (IRAs, 401(k)s, etc.)
Use qualified retirement funds to invest in trust deeds through self-directed custodians.
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Entities & Family Offices
LLCs, corporations, trusts, and other investment entities looking to deploy capital in a secured and income-focused structure.
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High-Net-Worth Investors Seeking Diversification
Those looking to reduce exposure to public markets while earning monthly income secured by real estate.
Minimum investment amounts vary per opportunity, with many starting at $50,000.
Recent Trust Deed Investments
Explore some of our most recent closed trust deed investments. These examples highlight the variety of loan types, property locations, and borrower profiles our investors have access to. Each investment is secured by a recorded deed of trust and underwritten for capital preservation and performance.
Click on any image below to view the full flyer with detailed trust deed information.
$1,900,000
Trust Deed
| LTV | 61% |
| Term | 12 Months |
| Location | Scottsdale, AZ |
| Lien Position | 1st, 2nd, and 2nd |
$1,200,000
Trust Deed
| LTV | 50% |
| Term | 12 Months |
| Location | Los Angeles, CA |
| Lien Position | 1st |
$750,000
Trust Deed
| LTV | 52% |
| Term | 12 Months |
| Location | Orinda, CA |
| Lien Position | 2nd |
$1,762,000
Trust Deed
| LTV | 53% |
| Term | 11 Months |
| Location | San Clemente, CA |
| Lien Position | 1st and 2nd |
$800,000
Trust Deed
| LTV | 33% |
| Term | 12 Months |
| Location | Sebastopol, CA |
| Lien Position | 1st |
$1,700,000
Trust Deed
| LTV | 48% |
| Term | 12 Months |
| Location | Healdsburg, CA |
| Lien Position | 1st |
What Our Investors are Saying
Frequently Asked Questions (FAQs) – Trust Deed Investments
What is a trust deed investment?
A trust deed investment involves lending money secured by real estate. You are essentially acting as the bank, and the property serves as your collateral.
Is my investment secured?
By purchasing performing and re-performing mortgage notes at a discount, the fund earns income from borrower payments while benefiting from the spread between the purchase price and the original note value.
What happens if the borrower doesn’t pay?
In the event of a default, the property can be foreclosed upon and sold. This is one of the key advantages of having a recorded deed of trust — your investment is backed by real property.
Can I invest with my IRA or retirement account?
Yes. Many of our investors use self-directed IRAs to invest in trust deeds.
How often do I get paid?
Interest payments are typically made monthly.
What are the risks?
As with any investment, there is risk. While trust deed investments are secured, market conditions, borrower performance, and property values can affect outcomes. That’s why we focus on low LTV, quality underwriting, and experienced servicing.
Disclaimer:
Risk & Investment Disclosure:
Investing in real estate-related loans involves risk, including the potential loss of principal. Past performance is not indicative of future results. Prospective investors should perform their own due diligence and consult with independent financial and legal advisors before making any investment decision.
Securities Disclosure:
This webpage is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer will be made only through a Private Placement Memorandum (PPM) and only to qualified accredited investors in jurisdictions where permitted by law.