How a Real-Estate-Backed Loan Could Work
Discover how to generate consistent, predictable income through private real estate lending while helping families achieve homeownership.
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About Your Partner
Your Partner in Real Estate Lending
With years of experience building a successful real estate portfolio across multiple states, my focus is single-family homes and creating win-win scenarios for everyone involved. My approach is built on transparency, predictability, and tangibility.
Families
Gain pathways to homeownership through creative financing
Lenders
Receive predictable, attractive returns month after month
Communities
See improved housing and neighborhood stability
Strategic Approach
A Strategic Lending Approach
Property Acquisition
Secure low loan-to-value properties at discount prices, creating an immediate equity cushion.
Creative Financing
Sell homes as-is through lease-options or contracts-for-deed to non-traditional buyers.
Fixed Returns
Receive 12% returns over 60 months, backed by real property with significant equity protection.
This model creates immediate profitability while maintaining a substantial equity buffer. Your investment is secured by tangible assets with legally-binding promissory notes and recorded liens.
ROI Example
5-Year Projection: $30,000 Loan at 12% Fixed
With a standard $30,000 loan at 12% fixed interest over 60 months, the investor receives approximately $10,040 in total interest in addition to the principal — totaling $40,040 in returns.

Monthly payments are structured for consistent, predictable income. Your personalized amortization schedule will show the exact breakdown over the entire 60-month term.
Process
The 5-Step Lending Process
A sample workflow illustrating the documentation and due-diligence steps that typically occur in a secured private loan.
01
Property Acquisition
We identify discounted properties with thorough due diligence: title search, inspection, and professional valuation.
02
Loan Presentation
Qualified lenders receive a New Loan Opportunity Announcement with property details, terms, equity position, and returns schedule.
03
Lender Commitment
A licensed title company prepares documentation and coordinates closing. You formally commit to providing funds.
04
Secure Funding
Wire funds directly to the escrow account at the title company — never to us personally. Interest accrues immediately.
05
Professional Closing
Receive copies of your promissory note, deed of trust/mortgage, title insurance, and property insurance documentation.
Key Benefits for Private Lenders
High Returns
Earn consistent double-digit interest, outperforming traditional CDs or bonds.
Predictable Income
Detailed interest schedule shows exactly how much you'll earn at any point during the 60-month term.
Real Estate Security
Your loan is secured by tangible property with substantial equity — you can drive by and see your investment.
Manageable Size
Typical loans of $30,000–$50,000 let you limit exposure while earning attractive returns.
Investor Protection
Your Four-Layer Protection System
Every loan is backed by these four essential layers of protection. All transactions are handled through licensed title companies or attorneys — no funds are released until every protection is in place.
1
Promissory Note
Legally-binding document specifying exact repayment terms, including your 12% fixed return and 60-month term.
2
Deed of Trust / Mortgage
Secures your position as lienholder against the property, giving legal recourse in case of default.
3
Title Insurance
Protects against unknown title defects, claims, or encumbrances threatening your security position.
4
Hazard Insurance
Coverage against property damage from fire, natural disasters, and other covered perils.
Frequently Asked Questions
The following FAQs relate to the sample structure shown above. Real-world transactions vary depending on property type, borrower profile, and legal framework.
How long is the term? How much do I commit?
Fixed 60-month (5-year) term. Typical loans range $30,000–$50,000, allowing diversification across multiple properties.
Why such high returns?
Private lending offers speed, flexibility, and certainty of capital — advantages worth the premium. Properties purchased at significant discounts allow us to share profits through higher fixed returns.
Can I lend from my IRA or 401k?
Yes. Many lenders use self-directed IRAs for tax-advantaged returns. We can recommend custodians specializing in real estate-secured loans within retirement accounts.
Is private lending safe?
We structure loans with significant equity cushions. Returns are fixed and secured by real property. As with any investment, perform thorough due diligence before participating.
Common Concerns Addressed
"What if the property sits vacant?"
Your returns are completely independent of property occupancy. Loan terms are fixed regardless of whether the property is occupied or vacant.
"What if the buyer sells or refinances early?"
You still receive your full contracted return. If a loan is satisfied early, you receive the entire expected interest amount upfront at payoff.
"Why structure the program this way?"
Our business is built on long-term relationships and trust. When lenders receive returns as promised, they participate in future opportunities — maintaining a reliable network of satisfied partners.
Ready to Begin? Get Started Today
Your interest begins accruing immediately upon funding, with fixed returns per your promissory note schedule.
Consistent
Fixed 12% returns, steady income
Secure
Multiple layers of protection
Tangible
Backed by real property with equity
"I'm committed to creating transparent, mutually beneficial partnerships that provide consistent returns while helping families achieve their homeownership dreams."
Important Legal Disclaimer: This is not an offer to sell securities. All examples are for educational and illustrative purposes only. Sample numbers, returns, and structures are hypothetical. Consult qualified legal, tax, and financial professionals before participating in any private lending transaction. © Brickstead Title Services d/b/a Brickstead Homes. All Rights Reserved.