Private Lending
Seller Finance
Real Purpose

Transparency First

How It Works

You should know exactly where your money is going, what documents protect you, and what happens every step of the way. No jargon. No surprises. Here it is.

  1. 01

    Opportunity Shared

    You receive the full deal summary: property, terms, lien position, LTV, and expected return.

  2. 02

    You Review & Decide

    Ask questions. Review documents. Confirm the deal fits your goals. No pressure, no rush.

  3. 03

    Closing Prepared

    Escrow/title prepares the promissory note and security documents. Everything in writing.

  4. 04

    You Fund to Escrow

    Funds wired to escrow/title — never directly to the operator. Clean, documented, protected.

  5. 05

    Monthly Payments Begin

    Principal + interest every month, per the signed amortization schedule.

What Your Money Actually Does

The Seller Finance Connection

Here's what makes these deals different from typical hard money lending. The properties funded by private lenders are sold on seller finance terms to families who can afford monthly payments but can't get a traditional mortgage. That real buyer — living in that real home — is the payment source behind your note.

Not speculative

There's a real occupant making payments from day one — not a vacant property waiting to sell. The payment source is built in before you fund.

Highly motivated buyers

These families were turned away by banks. Getting this home meant something. That motivation makes them reliable payers who protect their investment — and yours.

Aligned incentives

The buyer wants to keep their home. You want your payments. Craig and Shannon want both outcomes. Everyone's goals point the same direction.

Example Deal Breakdown

Illustrative only. Final terms depend on the signed closing documents.

The Property (Example)

  • Market: Affordable workforce housing in a stable secondary market
  • Purchase price: $30,000
  • Condition: Affordable, minimal rehab — no renovation-heavy risk
  • Sold to: Family on seller finance terms

The Loan (Example)

  • Amount: $30,000
  • Term: 5 years (60 months)
  • Rate: 12% annually
  • Estimated payment: ≈ $667/month
  • Total interest: ≈ $10,040

Illustrative only. Final payment schedule depends on the signed closing docs.

Your Security

  • Promissory note defines all terms and repayment
  • Recorded deed of trust / mortgage — 1st lien position on real property
  • ~30% LTV — conservative acquisition builds margin of safety
  • Title/closing handles documentation and priority
  • Funds sent to escrow/title, not directly to operator

What this means in plain English

You're lending against a tangible asset with signed documents, a recorded lien, and a real buyer in the home making payments. If something goes wrong, the property is your collateral — not just someone's word.

Schedule a Call

Protections & Risk Notes

High-level overview — details vary by state, deal structure, and final documentation. Always read your specific documents before funding.

1st Lien Position

Lenders hold a first lien position — a deed of trust/mortgage recorded in public records. No other debt takes priority over the lender's claim on the property.

Title & Closing

Escrow/title processes reduce surprises — prior liens, documentation priority, and proper recording are all handled at closing.

Default Scenarios

Remedies are defined by documents and state law. The property serves as collateral. Grand Peak plans for remarketing or resale in worst-case scenarios.

Read the Full FAQ