Real Estate–Backed Private Lending
Stable, Real Estate-Secured Returns — Backed by Veteran Integrity
Earn predictable, real estate-backed returns while your investment funds homes for families who couldn't otherwise own one. Transparent terms. Recorded lien protection. Monthly amortized payments.
- 🏠 Real estate collateral · ~30% LTV
- 📄 1st lien position (Deed of Trust)
- 💰 Monthly amortized payments
- 🎖️ Veteran-owned · USMC
- 🔑 Simple 5-step process
Educational info only. Not an offer to sell securities. Consult your legal, tax, and financial advisors.
Typical Deal Snapshot
- Target Return
- 10–12% (example)
- Term
- 60 months
- Security
- 1st lien · real estate
- Payments
- Monthly
Example (Illustrative)
$30,000 note · 12% annual · 60 months · ≈ $667/mo. Terms vary by deal and final docs.
The Investment
Amortized Returns — Not a Balloon Waiting to Pop
Most private notes pay everything at the end. Amortized notes return principal and interest every month, so your outstanding exposure (not just your patience) shrinks over time.
Predictable income
Same payment, same day, every month. Built for lenders who want stability, not surprises.
Risk reduces monthly
Every payment chips away at principal. By year 3 you've recovered most of your capital already.
Asset-backed from day one
A recorded lien on real property (not just a promise on paper) secures the obligation.
The Numbers (Example)
- ✓ 12% fixed annual interest rate
- ✓ 60-month (5-year) amortized term
- ✓ Secured by real estate (recorded lien)
- ✓ Monthly principal + interest payments
Illustrative only. Final schedule depends on closing documents.
Actual amortization varies by exact terms in closing documents.
Where Your Money Goes
Your Investment Puts Families in Their Own Homes
The properties funded by private lenders are sold on seller finance terms directly to families who earn enough to make payments. No bank required. Just a solid contract, a recorded lien, and a family with real motivation to pay.
You fund the note. Your money is secured by a recorded lien on a real property.
We buy affordable homes in stable workforce markets, with no heavy renovation risk.
A family with the income to support homeownership, but outside traditional lending criteria, makes monthly payments and builds equity in their own home.
Their payments fund your return: predictable, amortized, real estate-backed.
"Our background has shaped how we operate. We run this business with integrity, discipline, and a strong sense of responsibility to the people we work with."
— Craig & Shannon Davidson, Founders, Grand Peak Homebuyers LLCWho buys these homes?
Hard-working families (the self-employed, the recently divorced, the credit-rebuilders) who have income and the determination to own, but don't fit a bank's checkbox. They're not a risk. They're just not the norm.
Why seller finance works
The seller (us) finances the purchase directly to the buyer. The buyer makes monthly payments, builds equity, and owns their home. No bank approval needed. Just a solid contract and a recorded lien protecting all parties.
Why this matters to lenders
A motivated buyer who fought to get their home is a reliable payer. The alignment is real: they want to keep their home, you want your payments. The mission and the return point in exactly the same direction.
Why Grand Peak
Built-In Advantages for Lending Partners
Every structural choice we make is designed to protect the people who trust us with their capital.
~30% Loan-to-Value
Conservative acquisition strategy keeps LTV around 30%, building a significant margin of safety into every deal from the start.
No Construction Risk
Grand Peak intentionally avoids renovation-heavy models. Fewer variables means more predictable outcomes for lending partners.
Veteran-Owned and Operated
Craig and Shannon Davidson are USMC veterans. They bring the same discipline and accountability to every real estate transaction that they did to military service.
1 Loan : 1 Property
Each loan is tied to one specific property with one recorded 1st lien. No pooled funds, no shared collateral.
Personal Guarantee
Craig and Shannon Davidson personally stand behind every transaction. Your lending relationship is backed not only by the recorded lien and real property collateral, but by the personal commitment of the founders.
Retirement Funds
Using Retirement Funds for Real Estate Lending
Many investors are surprised to learn that Self-Directed IRAs and certain retirement accounts can sometimes be used to participate in real estate-backed lending, diversifying beyond traditional stocks into tangible, asset-secured notes.
While Grand Peak does not provide financial or tax advice, many lending partners explore this option with their financial advisor or Self-Directed IRA custodian. If you have a Self-Directed IRA or are curious about how retirement funds can work in this structure, we're happy to share how it works for other partners.
Self-Directed IRA
A type of retirement account that allows investment in alternative assets, including real estate-backed notes.
Grand Peak does not provide tax, legal, or financial advice. Always consult a qualified financial advisor and Self-Directed IRA custodian before using retirement funds for any investment.
About Us
Veteran Discipline. Real Estate Results.
Craig and Shannon Davidson founded Grand Peak Homebuyers LLC after careers defined by service, discipline, and accountability. Craig served as a United States Marine Corps Gunnery Sergeant before retiring and building a second career as a high school ski team coach and agricultural equipment operator. Shannon served in the Marine Corps, then went on to become a Certified Registered Nurse Anesthetist and built a successful anesthesia business.
Together, they bring financial strength, operational leadership, and the same standard of care to real estate that they applied throughout their military service. Their strategy focuses on acquiring low-risk, affordable homes in stable workforce housing markets and offering seller financing to families underserved by traditional lenders.
They intentionally avoid renovation-heavy models to reduce construction risk and keep outcomes more predictable for their lending partners. Every project is approached with one goal: a win for the seller, the buyer, the lender, and the community.
"Our background has shaped how we operate. We run this business with integrity, discipline, and a strong sense of responsibility to the people we work with."
Common Questions
Short answers to common questions. See the full FAQ for more.
Let's Talk
Ready to See a Deal?
Reach out and Craig & Shannon will walk you through a current opportunity. No pressure, just a clear look at the numbers and the documents.
Disclaimer: This site is informational only and does not constitute an offer to sell securities. All investment terms are subject to final signed documents and applicable law. Consult your legal, tax, and financial advisors before investing.