INVESTORS relax and enjoy
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​Investors receive strong yields with high current monthly income through private capital short-term TRUST DEED INVESTMENTS. Secured by well-positioned real estate assets at low loan-to-value ratios with high protective equity. Private borrowers pay higher interest rates which generates higher returns to you. The source of monthly payments through personal and rental income or escrow hold backs and the exit strategy for repayment of the loan through future sale or refinance, are evaluated to ensure the payments and payoff are completed as agreed.
TRUST DEED INVESTMENTS
Simply stated, the note is the lending agreement between the lender and the borrower, the
trust deed is the note security instrument recorded against the real estate property collateral.
In the event of borrower default, the subject property or collateral will be sold at auction to pay the note.
INVESTOR PROTECTION
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Testa Capital Group has developed a four step, time tested loan evaluation and approval
process, ensuring the maximum level of security for the investor and rapid response time for the borrower.
If the loan request successfully passes each of these four levels of evaluation, it will then achieve loan approval.
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Loan Evaluation
Approval Process
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1
2
3
4
Collateral
The subject property is the first evaluation since this is our ultimate security for the note.
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Some of the more common and important considerations include the following:
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- Location
- Loan-to-value ratio
- Protective equity
- Condition
- Improvements
- Use and entitlements
- Vacant or leased
- Type of occupancy
Contingencies
Issues or entanglements that can cause irreparable road blocks
hindering the loan.
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Some of the more common and important considerations include the following:
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- Vesting
- Liens
- Judgments
- Pay offs
- Pending foreclosure
- BK filed
- Litigation
- Partner disputes
Capacity
Borrowers ability to make both the monthly payments and pay the final balloon payment.
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Some of the more common and important considerations include the following:
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- Tenant income
- Borrower income
- Borrower cash
- Interest reserve
- Exit strategy
- Future refinance
- Future sale
- Future joint venture
Character
Borrowers profile as
evidenced by various sources to assess likelihood of honoring obligation.
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Some of the more
common and important
considerations include
the following:
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- Credit scoring
- Payment history
- Outstanding debt
- BK filing history
- Litigation history
- Pending litigation
- Judgments
- On line history
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