PRIVATE MONEY INVESTORS
BaySierra Financial, Inc. (BSF) offers investors, the ability to place equity investments in an individual Note secured by a Deed of Trust or by membership.
Private investors, herein after referred to as “lenders”, must be a California resident which is required by law. Lenders may be private individuals, revocable family trust, other trust, individual retirement accounts (IRA’s), or Pension or Profit Sharing accounts (PSP’s).
INDIVIDUAL NOTES SECURED BY A DEED OF TRUST
Note and Deed of Trust equity investments can be purchased in whole or in part, as fractional interest. Whether owning a whole or fractional interest, lenders are vested individually in the Note and Deed of Trust as to their respective interest. The title policy and insurance polices also reflect their respective interest. BSF provides to the lenders, for a fee, loan servicing which is the collection and disbursement of payments, tax reporting, as well as, any follow up to insure timely payment of the obligation.
As an individual lender your net yield typically ranges from 10 to 11 % per annum, which is paid monthly. Any late charges or prepayment fees are earned 100% by the lender. BSF will service the loan and disburse monthly payments either on the 15th or 25th of each month as they are received and clear the bank.
Loans range in duration form 1 to 5 years; are typically secured by a first or second deed of trust, no thirds or more junior liens; no construction loans and no owner occupied 1- 4 unit single family residential loans for consumer purposes (TIL - Section 32).
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To learn more about equity investment opportunities please fill out the "Contact Me" form at the Top Right of the page.