The Process

From Your Bank Account To A Recorded Note In Under 21 Days.

Every Step. Every Document. Every Dollar.

Step 01

You Submit An Inquiry.

One short form. Name, phone, email, capacity range. 60 seconds.

Step 02

We Text You Back In Under A Minute.

A real person. A real question: when is a good time for a 30-minute call?

Step 03

We Have The Call.

We answer your questions. You answer ours. No pressure. If there's no fit, we say so.

Step 04

You Get The Collateral Package.

Property. Title. Appraisal. Draft note. Draft deed of trust. Your attorney's direct line.

Step 05

You Review With Your Counsel.

We don't push. We don't rush. We expect your attorney to look at this.

Step 06

You Commit In Writing.

Soft commit. Your slot is reserved while final docs are drawn.

Step 07

You Wire To Attorney Escrow.

Never to the operator. Never to a personal account. Always to the licensed NC attorney's trust account, with wire instructions verified by phone.

Step 08

The Note Records.

First-lien deed of trust recorded at the county Register of Deeds for the subject property. You are the lender of record.

Step 09

First Payment Arrives.

Thirty days later, $312.50, $625, or $937.50 is deposited into your account. On the 1st of every month after that. For up to 36 months.

Step 10

Payoff.

At maturity or when the property is refinanced or sold, your principal wires back to you from attorney escrow.

FAQ

The Questions We Get Most.

Is this an investment?
No. You are making a loan. You receive a promissory note and a recorded first-lien deed of trust. You are a lender, not an investor. No security, fund, or partnership interest is offered or sold.
What if the borrower stops paying?
The closing attorney initiates foreclosure. Because you're first-lien on a disclosed LTV ratio, there is an equity cushion protecting your principal before you're at risk. Specific LTV and cushion figures for each note are shared with qualified inbound inquiries.
Can I use my self-directed IRA?
Yes. We work with most SDIRA custodians. The custodian wires directly to the closing attorney's trust account.
Who actually holds the note?
You do. Or your IRA does. The note is assigned in your name (or your IRA's name) and recorded. You are the lender of record.
Can I talk to your attorney before wiring?
Absolutely required. We share the attorney's direct line before any lender wires a dollar.
How does the pro-rata structure work?
The promissory note names each participating lender directly as a payee, pro-rata to their contribution. The recorded deed of trust names the same lenders as beneficiaries. No intermediary entity sits between the lender and the note. Every lender receives their share of the monthly interest on the 1st. Every lender is pari passu in the first-lien position. No subordination.
What happens at payoff?
When the underlying property is refinanced or sold, principal wires back to each lender from the attorney's trust account. You are notified in advance.

Want To See The Current File?

Three to five lenders. One note. One Charlotte property.

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