Clear Answers
Frequently Asked Questions
Direct answers to what private lenders ask most — including how seller finance connects to your investment.
No. Many of our lenders simply want to diversify into an asset-backed opportunity without being involved in the day-to-day work of real estate. We walk you through everything.
We share deal details privately with individuals who express interest. Reach out and we'll walk you through a current opportunity — the property, the terms, and the documents.
Three layers: (1) a promissory note defining all terms and repayment schedule, (2) a recorded deed of trust placing you in 1st lien position on the property — no other creditor takes priority, and (3) funds wired to escrow/title at closing, not directly to us. LTV is approximately 30%, providing a significant margin of safety.
Approximately 30%. Our conservative acquisition strategy keeps purchase prices well below market value, which builds a meaningful margin of safety into every deal from day one.
No. Grand Peak intentionally avoids renovation-heavy models. We focus on affordable homes in stable markets that don't require significant rehab — fewer variables, more predictable outcomes.
Transparency is non-negotiable for us. Lending partners receive clear documentation and ongoing communication about any project they participate in.
Possibly. Self-Directed IRAs and certain retirement accounts can sometimes be used for real estate-backed lending. We don't provide tax or financial advice, but we're happy to explain how other partners have worked with their Self-Directed IRA custodians. Consult your financial advisor.
Default remedies are defined in the documents and governed by state law. The property serves as collateral. We plan for remarketing or resale in default scenarios. Always review your specific deal documents before funding.
The end buyer is already in place. A family purchasing the home on seller finance terms is making monthly payments from day one — not a vacant property waiting to sell. The payment source is built in before you fund.
These notes are structured for a 5-year term and are not as liquid as publicly traded assets. Plan to hold through the term. Private lending is best suited for capital you don't need on short notice.