Potential Interest Income
The loan's stated interest rate and payment structure may provide periodic interest income while the loan remains outstanding and payments are made as agreed.
How Do I Become a Trust Deed Investor With Accelerated Lending Group?
Start by expressing your interest in becoming an ALG trust deed investor. Accelerated Lending Group can then address applicable investor suitability requirements and provide information about the investor process. When appropriate opportunities are available, prospective investors can review the individual property, loan amount, loan-to-value, lien position, stated interest rate, payment structure, term, borrower information, repayment strategy, and material risks before deciding whether to participate.
Looking for More From Your Investment Capital?
For some investors, the problem is not simply finding another place to put money. It is finding an opportunity that may provide meaningful income potential while offering a tangible real estate asset to evaluate.
Current State
Your Capital May Not Be Producing the Income You Want
Cash and traditional investments may not always align with an investor's current income objectives. At the same time, directly buying more real estate can mean tenants, maintenance, property management, and additional operating responsibilities.
Potential Future State
Put Capital to Work Through Private Real Estate Lending
Trust deed investing offers another approach. Instead of becoming the property owner, an investor may fund a loan secured by California real estate and evaluate defined terms before deciding whether an individual opportunity fits their objectives and risk tolerance.
Explore the Income Potential of California Trust Deed Investing
Certain Accelerated Lending Group trust deed opportunities may offer stated annual interest rates in the 8%–13% range, depending on the individual transaction.
8%–13% Potential stated annual interest-rate range on certain opportunities
The available rate on a particular opportunity may depend on factors including the property, loan amount, loan-to-value, lien position, borrower, loan structure, term, repayment strategy, and overall risk profile.
The 8%–13% range reflects potential stated annual interest rates on certain trust deed opportunities and is not a guaranteed return, guaranteed yield, or promise of investment performance. Opportunities, rates, terms, property types, lien positions, and risk profiles vary. Borrower default, late payments, servicing expenses, foreclosure costs, property-value changes, and other risks can affect actual results and repayment of principal.
Why Do Investors Consider Trust Deed Investments?
The potential stated interest rate is only one part of the decision. Trust deed investing can offer a combination of income potential, real estate collateral, and transaction terms that can be evaluated before an investment is made.
Secured by Real Estate
The underlying obligation is secured by a deed of trust against real property, giving investors identifiable collateral to evaluate as part of their due diligence.
Defined Loan Terms
Investors can review the loan amount, stated rate, payment structure, maturity, lien position, collateral, and other transaction-specific terms.
No Routine Landlord Duties
The borrower generally remains the property owner, so the investor does not ordinarily take on the day-to-day tenant and property-management responsibilities associated with owning a rental property.
Transaction-Level Review
Rather than evaluating only a broad investment category, prospective investors can review information relating to the specific loan and real estate securing an opportunity.
Investor Choice
Reviewing an opportunity does not obligate you to invest. Each prospective investment can be considered based on its own terms, risks, and suitability.
How to Become an ALG Trust Deed Investor
Becoming a prospective trust deed investor begins with understanding the process—not committing your money.
1
Express Your Interest
Let Accelerated Lending Group know you are interested in learning about California trust deed investment opportunities.
2
Investor Information & Suitability
Applicable investor information and suitability requirements are addressed before participation in an investment opportunity.
3
Learn the Process
Understand how trust deed investing works, how loans are secured, how payments may be structured, and the risks involved.
4
Review Available Opportunities
When appropriate opportunities are available, review transaction-specific information concerning the loan and underlying real estate.
5
Perform Your Due Diligence
Evaluate the opportunity and seek independent legal, tax, financial, or other professional advice when appropriate.
6
Decide Whether to Participate
If an available opportunity is suitable and consistent with your objectives and risk tolerance, determine whether you wish to invest.
What Should You Review Before Investing?
An attractive stated rate does not tell the entire story. Understanding the loan, the real estate, and the downside scenario is an important part of evaluating an opportunity.
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Property & Estimated Value
Consider the property's type, location, condition, marketability, and available valuation information.
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Loan Amount & LTV
Compare the proposed loan amount with the estimated property value to understand the transaction's loan-to-value ratio.
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Lien Position
Understand whether the investment is secured by a first, second, or other lien position and the risks associated with that priority.
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Stated Interest Rate
Review the stated rate and how it relates to the overall structure and risk characteristics of the transaction.
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Payment Structure
Understand how and when payments are scheduled and whether the loan is interest-only, amortizing, or structured another way.
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Term & Maturity
Consider how long the investment may remain outstanding and when repayment of principal is scheduled.
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Borrower & Repayment Strategy
Review available information concerning the borrower and the anticipated source of payments and principal repayment.
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Default Scenario
Consider what could occur if payments stop, including foreclosure, costs, property-value changes, senior claims, taxes, insurance, and other risks.
What Could the Interest Income Look Like?
The following hypothetical example illustrates how a stated annual interest rate could translate into potential monthly interest income.
Illustrative Investment $100,000 11.00% stated annual interest rate
Investment amount $100,000
Illustrative stated annual rate 11.00%
Illustrative monthly interest $916.67
Illustrative annual interest $11,000
Illustration only: This mathematical example assumes a $100,000 investment at an 11.00% stated annual interest rate. It does not represent a specific available investment, guaranteed payment, guaranteed return, or prediction of future performance. Actual investment terms and results vary. Default, late payments, expenses, or other events can reduce or eliminate anticipated income and may result in loss of principal.
The Accelerated Lending Group Approach
The goal is not simply to present an interest rate. A prospective investor should have the opportunity to understand the transaction, the real estate securing the loan, the structure, and the material risks.
California Real Estate Focus
Accelerated Lending Group focuses on California real estate finance and provides prospective investors with access to information concerning applicable trust deed opportunities.
Opportunity-Level Information
Investment decisions should be based on the individual transaction rather than the stated interest rate alone.
Investor Education
Prospective investors can learn how trust deeds, collateral, LTV, lien position, payments, maturity, and default risk work before making an investment decision.
Suitability Matters
Applicable investor suitability requirements are part of the process and help determine whether an investment may be appropriate for the prospective investor.
No Obligation to Invest
Learning about the investor process or reviewing an opportunity does not obligate a prospective investor to participate.
Direct Investor Team Access
Prospective investors can contact the Accelerated Lending Group Investor Team with questions about the process and available information.
Understand the Risk Before You Invest
Trust deed investments can offer meaningful stated interest rates, but potential income and investment risk must be considered together.
Trust Deed Investments Are Not Guaranteed
- Borrowers may make late payments or default.
- Property values may decline.
- An appraisal or valuation may not equal the amount ultimately realized from a property.
- Foreclosure can take time and may involve legal, property-related, servicing, and other expenses.
- Senior liens, taxes, insurance, maintenance, environmental conditions, or other claims may affect the collateral.
- Trust deed investments may be illiquid and may not be readily sold or converted to cash.
- Expected interest payments and repayment of principal are not guaranteed.
- Investors may lose some or all of their principal.
California Trust Deed Investor Suitability
California law includes investor suitability requirements that may apply to broker-arranged trust deed investment transactions.
California Business & Professions Code § 10232.45
Prospective investors can review the California statutory requirements relating to investor suitability for applicable trust deed transactions.
California Business & Professions Code § 10232.45Becoming a Trust Deed Investor: FAQs
How do I become a trust deed investor with Accelerated Lending Group?
Begin by submitting an investor inquiry. Accelerated Lending Group can then address applicable investor suitability requirements and explain the investor process. When appropriate opportunities are available, you may review the transaction information and determine whether an individual opportunity fits your objectives and risk tolerance.
Do I have to invest after submitting an investor inquiry?
No. Expressing interest, learning about the process, or reviewing an investment opportunity does not obligate you to invest.
What interest rates may be available?
Certain Accelerated Lending Group trust deed opportunities may have stated annual interest rates in the 8%–13% range. Rates and opportunities vary according to the individual transaction, and a stated interest rate is not a guaranteed return.
How does a trust deed investor potentially earn income?
Trust deed investors generally seek income from interest paid on a real-estate-secured loan. The stated rate, investment amount, payment structure, and term influence anticipated interest payments. Actual results depend on borrower performance and the individual transaction.
What secures a trust deed investment?
The underlying loan is secured by a deed of trust against real property. Real estate collateral provides security for the obligation but does not guarantee payment, property value, principal repayment, or investment performance.
Do trust deed investors become landlords?
Ordinarily, no. The borrower remains the property owner, so the investor does not ordinarily assume routine tenant and property-management responsibilities simply by funding the loan. A default may, however, result in enforcement or foreclosure and additional responsibilities or expenses.
What should I review before investing?
Consider the property, estimated value, loan amount, loan-to-value, lien position, stated rate, payment structure, term, borrower information, repayment strategy, transaction documents, and potential default scenario. Investors should also consider independent professional advice when appropriate.
Are trust deed investments guaranteed?
No. Borrowers can default, property values can change, foreclosure can involve time and expense, and anticipated interest payments or repayment of principal may not occur. Investors may lose some or all of their principal.
Learn About Trust Deed Investing Before You Participate
Education and due diligence are important parts of the investment process. These resources provide additional information about California trust deed investing.
ALG Trust Deed Investor Guide
Learn how trust deed investing works, including potential income, real estate collateral, LTV, lien position, due diligence, and risk.
California DRE Investor Education
Review educational information published by the California Department of Real Estate concerning trust deed investments.
California DRE — Trust Deed Investments: What You Should Know
Explore California Trust Deed Investing With Accelerated Lending Group
Accelerated Lending Group provides information about California real estate finance and trust deed investment opportunities. Prospective investors can learn about the process, understand applicable suitability requirements, and evaluate available transaction information before deciding whether an individual opportunity may be appropriate for them.
Important Investment Disclosure: This page is for educational and informational purposes only and does not constitute individualized financial, investment, legal, or tax advice. References to the 8%–13% range, stated interest rates, or potential income do not constitute a promise or guarantee of investment performance. Investment opportunities are subject to availability, transaction-specific documentation, eligibility, investor suitability, applicable law, and risk. Past performance, if any, does not guarantee future results. Stated interest rates, payments, property values, maturity payoff, and repayment of principal are not guaranteed. Investors may lose some or all of their principal. Prospective investors should carefully review applicable transaction documents and consult their own qualified advisers when appropriate.
Accelerated Lending Group • NMLS 1563471 • CA DRE 02022124