​​​​Hard & Private Money, Trust Deed, Cannabis Real Estate Financing


Q: What is a trust deed or a mortgage investment?
A: Trust deed or mortgage investing is the loaning of money at competitive rates of return, with the protective equity of the property as collateral. The loan is secured by real estate.  A trust deed or mortgage investor makes a higher interest yield than would typically be obtained by a regular bank and is secured by the borrower’s equity in the real estate transaction.

Q: How much money do I have to invest?
A: That is entirely up to you. 1st Access Capital is actively investing alongside individuals with as little as $15,000 and as much as $500,000+.

Q: What is the annual return?
A: Some investments last for as little as three months and some may last for a year depending on the program you choose. In trust deed and mortgage investing, one can typically earn around 6% to 9% return annually. These loans typically pay off in 6-12 months.

​Q: Is this type of investment safe?
A: Every investment has risk. However, unlike many other investment vehicles, with trust deed and mortgage investing you own a trust deed mortgage on a tangible, physical property. This means you have ultimate control and ownership of a valuable, physical asset that can be sold or rented out.

Q: Do you pool my money with other investors?
A: 1st Access Capital does not pool funds. Any funds that are invested are entirely under your control and are only transferred directly to an escrow company with your instructions.

Q: Can I use IRA funds?
A: Yes! In fact, trust deed/mortgage investing is an excellent way to diversify your retirement portfolio and to leverage these types of accounts. Please be sure to contact your plan representative, as various IRAs have different rules and regulations.

Q: What’s the typical property you loan on?
A: 1st Access Capital only lends on non-owner occupied homes. We mainly focus on single family homes and properties with 1-4 units. Our 6% to 9% trust deed/mortgage investments, usually with a 6-month term focuses on single family, non-owner occupied homes that are typically in need of some minor work that will be renovated and resold to a retail buyer.

Q: What is the loan to value that you loan on?
A: 1st Access Capital loans up to 80% of the after-repaired value of the home. In making our assessment of the total loan amount, we consider diverse factors from property location and renovations needed to investor experience.

Q: Do you do second and third position trust deeds and mortgages?
A: 1st Access Capital will invest in first and second positions only, up to the 80% loan to value, as we feel this offers a more secure investment with reasonable and lower risk. 1st Access Capital does not do third position trust deeds/mortgages.

Q: What does loan servicing include?
A: Loan servicing includes the back-office tasks of collecting payments from borrowers, disbursing payments to the investor, mailing required notices and statements, preparing year-end tax documents for the IRS and franchise tax board, maintaining adequate borrower insurance coverage, and coordinating foreclosure proceedings if necessary.

Q: Who in my network might be able to advise me on these types of investments?
A: Seeking objective professional advice is always recommended, so we suggest you check with your tax advisor, financial or retirement planner, accountant, and/or your attorney.

Q: Who can invest in trust deeds and mortgages?A: Private individuals, corporations, pension plans, 401Ks, custodianships, LLCs, retirement funds, IRAs, Roth IRAs, Self-Directed IRAs, and SEP accounts. Some retirement amounts have limits, so please check with your custodian or agent.

Q: Do you require fire insurance on the property from the borrower?
A: Yes. We also require the investor to inform the insurance company that the property is vacant. We require coverage in the full amount of the loan or replacement guarantee.

Q: Will there be a complete profile on the property?A: By the time we decide on a property for funding, we’ve already had an independent valuation (appraisal) completed for the property.  We can send you a copy of that valuation along with the address for you to personally view the property.

Q: Why would someone borrow from you instead of the bank?
A: Private lenders like 1st Access Capital are not constrained by the same set of rules a banking institution imposes. Since loans are for property that is not owner occupied, the loans are more flexible and can be granted more quickly because we have broader criteria to work with.