BaySierra Financial, Inc. offers two ways for private lenders to participate in trust deed investments. The first is by investing in BaySierra Capital Fund, LLC, which is a pooled mortgage fund that invests in a portfolio of trust deed investments selected by BaySierra Financial, Inc. The second is by participating directly in individual trust deed investments, either by investing in a whole loan or by purchasing fractional interests and becoming the lender on a loan.
Private lenders must be California residents and meet certain income and net worth requirements in order to participate in either investment program. In either case, private lenders benefit from having BaySierra Financial, Inc.’s experienced management underwrite the loan investments.
Lenders may be private individuals, revocable family trust, other trust, individual retirement accounts (IRA’s), or Pension or Profit Sharing accounts (PSP’s).
BAYSIERRA CAPITAL FUND, A LIMITED LIABILITY COMPANY
BaySierra Capital Fund, LLC was established in 2010 to provide lenders with an alternative to a single investment. Many lenders were seeking to diversify their private investments but found it difficult with the rising size of individual loans. With the Fund lenders become members of a pool of investments which has been described as a mutual fund of loans. By proper asset allocation the fund can spread risk by limiting the amount invested in any individual note or borrower; diversifying the types of real estate held (improved vs. unimproved properties) and varying the locales.
Fund members also receive the benefit of monthly checks and unlike individual notes can reinvest their earnings back into the Fund to receive a compound return on their investment. Reinvesting is an especially attractive way for retirement accounts to grow their investment over time. The Fund also provides members annual audited financial statements.
INDIVIDUAL TRUST DEED INVESTMENTS
Note and Deed of Trust 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. BaySierra Financial, Inc. 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.
Loans range in duration from 1 to 5 years and are secured by a first deed of trust.
To learn more about BaySierra Financial, Inc. investment opportunities please contact either Bobby Ritter or Stacy Robles (707) 544-5696 or send us an e-mail.
ALL INVESTMENTS HAVE RISK, PLEASE CONSULT WITH YOUR ATTORNEY OR FINANCIAL ADVISOR BEFORE INVESTING