INVESTORS relax and enjoy

 

 

 

 

 

 

 

 

 

​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.

VIEW

Our Closed Loans

 

Commercial, Residential and Construction Loans

 originated and closed by Testa Capital Group.

Includes photo and synopsis of each transaction.

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

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.

Loan Evaluation

Approval Process

1

2

3

4

Collateral 

The subject property is the first evaluation since this is our ultimate security for the note.

Some of the more common and important considerations include the following:

- 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.

Some of the more common and  important considerations include the following:

- 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.

Some of the more common and important considerations include the following:

- 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.

Some of the more

common and important

considerations include

the following:

- Credit scoring

- Payment history

- Outstanding debt

- BK filing history

- Litigation history

- Pending litigation

- Judgments

- On line history

INVESTMENT

INFORMATION

Contact Us

 

To obtain more information or to speak directly with an investment representative please contact us below.

View Our

Closed Loans

Contact 

 

Testa Capital Group

620 Newport Center Drive

Suite 1100

Newport Beach, CA 92660

t: 888.724.7925

f: 1.888.724.7925

info@testacapitalgroup.com

Licensing

 

Testa Capital Group

Real Estate Brokerage

Licensed by the

California Department

of Real Estate

DRE # 01790365

NMLS # 328319

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