CAPELLA MORTGAGE IS a "trust deed investment company"
so what is that?
A Trust Deed Investment Company, otherwise known as a “private lender”, “portfolio lender”, “hard money lender”, “friendly lender” (that’s what our borrowers call us) is a mortgage broker that closes loans for borrowers, but instead of lending out bank money, we use money from private investors, and these private investors earn the interest. But it isn’t the same interest rate that the banks charge. Because we make “private money loans”, that means that you can earn an annual interest rate between 7% and 12%, paid monthly, and secured by real estate. And that means….if the borrower doesn’t pay, we foreclose, and you own the property. but do not worry, we assist you every step of the way. We love lending, we love trust deeds, we love investing, and we love helping new investors discover one of the most amazing investments ever invented. Yes, absolutely there are risks, and we know what they are, and how to handle them. There is no such thing as a perfect investment, or a “guaranteed investment”. But this is a pretty darned good investment, and having the real estate as security…..instead of a share of stock…… means that your investment is backed by something solid. There are still risks, but they are minimized by following certain guidelines. and we will teach you those guidelines.
I started lending in 1997, but we were incorporated right after 9/11, a very scary time to be going into business, and it turned out to be the start of an incredible and profitable journey.
We have trust deeds secured by commercial & residential real estate. We buy notes, we lend hard money and soft money, and sometimes we do equity participation deals. If it involves real estate and making money, we take a look at it. If it passes our scrutiny, we let our investors scrutinize it as well. You’ll be very happy with our investment packages and our portal. But you do not get in unless you sign up and prove that you meet the state of Nevada qualifications, and/or the SEC definition of accredited investor. If you have an IRA account that you want to use, CALL US. We can help you get started. Or we can tell you the best IRA custodians in the country to use.
The owners of Capella Mortgage have been in the in the mortgage industry since 1997. Capella has developed the systems needed to help you achieve a high-level of investment success with Trust Deeds. We have an investor community, a fund investor community where you can track your funds performance, and a private portal to buy and sell your trust deeds.
WE'VE TAUGHT OVER 1000 INVESTORS HOW TO INVEST IN TRUST DEEDS SINCE 2010
RECENTLY FUNDED TRUST DEEDs
Listed below is a small selection of the types of trust deeds that we have originated recently.
Since Feb of 2002, we have been making all types of real estate loans on all types of properties
in fact, our total closed loan volume exceeds 1/2 of a billion dollars, and we are well on our way to $1B in originations. To get that many loans originated means that we sifted through three to four times that amount, looking for the good ones.
$511K, 70% LTV, 10.5% TO INVESTOR, OWNER OCCUPIED BRIDGE LOAN (ANOTHER PROPERTY TO SELL), PURCHASE, 12 MONTHS
$2.5M, 50% LTV, 11% TO INVESTOR, LAND DEVELOPMENT, REFINANCE, 12 MONTHS
$805K, 80% LTV, 8.5% TO INVESTOR, OWNER OCCUPIED, PURCHASE, 61 MONTHS
$315K, 80% LTV, 11% TO INVESTOR, BUSINESS PURPOSE, PURCHASE, 36 MONTHS
$185K, 21% LTV, 8% TO INVESTOR, INVESTMENT PROPERTY, PURCHASE, 24 MONTHS
$300K, 48% LTV, 11% TO INVESTOR, OWNER OCCUPIED BUSINESS PURPOSE, PURCHASE, 120 MONTHS
Even more important than how many loans we have originated is
- how many loans have we successfully pulled out of default?
- how many borrower bankruptcies we have navigated and won or lost? how much in default interest and late fees we have earned for our investors?
- and how many upgrades do we make to our portal and our services so that you can have access to more information faster?
In the good ol’ days, it was easy to be a trust deed investment company. But we think that the real mark of success is never having lost our license in 18 years, living through the great crash and still successfully lending through it, living through the COVID pandemic and lending without skipping a beat, and working through our “workouts” (loans with problems: foreclosures, bankruptcies, extensions, modifications, forbearances (COVID related), and a host of other problems that you never hear about).
We are a full service trust deed investment company.
That means that even though it is your individual trust deed, we still help you with it to the furthest extent allowed by law. And once you are an experienced trust deed investor, and you meet the accredidation standards of the SEC rules for 506(b) and 506(c) funds, you can join our Capella Fund Community and learn about an easier way to invest in more trust deeds at one time.
Additionally, we don’t just do the beautiful properties. We also do the fix and flip properties, which are typically short term loans, with a higher interest rate, on uglier properties, purchased by experienced flippers.
What are the criteria to being an “excellent” trust deed investment company?
What should you look for?
How do you do the appropriate type of due diligence on a trust deed broker?
what TYPE OF PROPERTIES WOULD YOU LIKE TO INVEST IN?
single & multi-family
offices & commercial
apartments & condos
WE HAVE THEM ALL, AND WE HAVE A LOT OF THEM. IF YOU CAN'T FIND TRUST DEEDS, CALL US AT 702-214-4700 OR 888-444-1774.
CAPELLA MORTGAGE IS LICENSED IN:
NV, CA, AZ, NM, TX, and co.
nmls # 372157
nEVADA MTG BROKER # 456
AZ MORTGAGE BROKER # MB-0942970
CA DRE 02039246
Investors must be provided applicable disclosures before investing. Money invested in trust deeds are not insured by the FDIC and no return of investment or interest is guaranteed. The property is insured in the event of fire or other damage, but not for flood unless located in a flood zone.
3765 E. Sunset Road Ste B9, Las Vegas, NV 89120
(702) 214-4700 office | (888) 444-1774 toll free
All Rights Reserved 2020