Trust Deed Products—Low Risk, High Return

In many ways, trust deed products offer a much lower risk and higher return than many conventional-style investments (stock market products).  Unlike a mutual fund, CD, or traditional market investment which are likely to yield smaller returns, the standard trust deed will generate a 10-13% interest rate.  Additionally, the dissolution of the subprime market has brought an even larger pool of qualified properties into the trust deed arena. Uncertainty and volatility in today’s financial markets has investors looking to a safer alternative for their capital— the trust deed products. 

Product detail

Tri-Point Capital’s investment products are flexible (long or short term) and secured by the First Trust Deeds. 

  • California First Deeds
  • Fixed Rate
  • Interest Only
  • $25,000.00 minimum investment
  • Rate of return 10-13% annualized
  • Loan to value:  30-65%
  • Investment term:  3 month to 30 years

Property types

  • Single Family Residential (non-owner occupied)
  • Multi-Unit Residential
  • Rehab
  • Construction
  • Commercial
  • Retail
  • Mixed-Use
Our Borrowers

We primarily lend to real estate investors who focus on renovation properties, or want to hold more than ten properties at once (Fannie Mae guideline does not allow you to hold more than ten loans).  Many of our borrowers are long-term established clients who are self-employed. As entrepreneurs, they can be faced with conventional lending restrictions, tightening of credit, two years documented income, and ever changing loan requirements.

Unique risk-controlling features

  • We process a full loan application from borrower: income, expenses, assets, liabilities, credit report, tax returns, paystubs, bank and asset statements
  • Equity in the property:  Loan to Value ratio 65% and below (LTV)
  • The borrower must have skin in the game (cash invested in the property)
  • The property produces income (rent)
  • Measure how quickly the property can be liquidated (marketability)
  • Review property condition
  • Confirm Title and hazard insurance

Property Valuation

Tri-Point limits lending to a maximum of 65% of the value of the collateral property.  This would ensure a minimum of 35% equity in the property.  Tri-Point will only offer products with an LTV between 30-65%.

Obviously, the value of a property securing a trust deed investment is of critical importance.  Tri-Point determines property valuation through research, comparable analysis, and if necessary, a certified home appraiser. 

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