Trust Deed Investing FAQ

A trust deed (or a deed of trust) is a legal document filed with a county recorder’s office indicating that there is a loan against a property – creating a secured lien on the property which provides collateral for the lender or lenders.

A trust deed investor is a person seeking a competitive rate of return on their investment. Trust deed investing is the loaning of money with real estate as collateral. Loans are secured by real estate.   A trust deed 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.

Trust deed investing is unique in that it offers high yields along with a relatively high degree of security. This is because it is secured by real property.

This makes them the perfect option for diversifying your portfolio.

Currently, Investing Safer Inc. is looking for investments of $50,000 or more.

Investing Safer Inc. regularly places funds from our investors IRA accounts. We work with Roth IRA's, Self Directed IRA's and many other types of retirement accounts.

Please call your plans representative to see if your plan qualifies.

Investing Safer Inc. generally only lends to non owner occupied, single-family homes.

Our primary focus is on undervalued homes that are fixed up and resold for a profit.

The annual yield will greatly depend upon the length of the individual investment and how long it takes for your money to rollover to another property. Some investments just a few months while others may last more than a year.

You can expect to earn about 11% annually if your money is being used for that duration.

As a rule, Investing Safer Inc. matches your individual funds towards a specific property. We may occasionally pool funds when immediate family members or business partners get together to invest.

Doing it this way simplifies the process and gives you more control over your investment.

There is no such thing as an investment that doesn't carry at least some element of risk. However, unlike other investments, trust deed investing backs up each investment with a first trust deed on a tangible piece of real estate that is worth considerably more than your investment. There is no safer investment that offers the type of returns that trust deed investment offers.

While each trust deed investment firm is different, the process is about the same. Follow this link to discover more about how the trust deed investing process works.

Investing Safer Inc.'s main focus is on undervalued, single family homes. A typical loan for this type of property is between $50,000 and $200,000.

Investing Safer Inc. loans up to 60-65% of the after repaired value of the home. We scrutinize every aspect of the property and carefully considers everything from property location, the condition of the house and needed repairs when determining total loan amount.

Investing Safer Inc. only offers first trust deeds on all of our investments. The safety of your investment is our main concern and first trust deeds offer the most security for our investors.

Unlike other brokers, Investing Safer Inc. does not charge a service fee to our investors.

Trust deed investing is a well known alternative to savings investments and the stock market. We encourage you discuss this option with your financial planner, accountant, and/or your attorney and hear what they have to say.

The California Department of Real Estate has also written a document about trust deed investing and posted it on-line. You can go to their website to download the document in PDF format. http://www.dre.ca.gov/pdf_docs/re35.pdf

Just about anyone can invest in trust deeds including: private individuals, corporations, pension plans, 401Ks, LLCs, retirement funds, IRAs, Roth IRAs, Self-Directed IRAs, and SEP accounts. Some retirement accounts may have limits or restrictions so you will need to check with your custodian or agent before you can proceed.

Absolutely. We require fire insurance in the amount of the loan or replacement guarantee for all properties we fund.

Each property that we present for funding has had an appraisal done by a licensed independent appraiser. We will send you a copy of the appraisal along with address so you can see the property yourself.