What is Private Money?
Private Money are funds provided by private investors. These high-networth individuals entrust us with their money to fund mortgage loans. This investment type is a way for these people to diversify their portfolios.
How is Capital Benefit licensed?
We are licensed by the California Department of Real Estate
Does Capital Benefit fund properties outside of California?
No, we only fund mortgages on California properties.
Why would I work with Capital Benefit?
If I bring a borrower to Capital Benefit, how do I get paid?
You must be licensed as a California Real Estate Broker. Subject to executing our Broker Agreement, we pay you as the cooperating broker.
What are your rates?
The financial crash of 2007 wiped out all subprime and ALT-A lenders. But even the biggest and strongest banks suffered huge losses. Consequently, banks are still shying away from funding mortgages – even today. The disappearance of many lending institutions along with the reluctance by the “surviving” banks to engage has left a huge void in the marketplace. Many strong borrowers and many borrowers with substantial equity in their properties simply cannot obtain financing anymore. Our loan products address that need. Our funding, however, does not come from Wall Street or the Federal Government. Instead, we work with high-networth individuals to lend these funds to our borrowers. For their risk, our investors expect to earn 9% or better.
What is a “business purpose” loan?
We only fund “business purpose” loans. A “business purpose” loan is not regulated by NMLS, TILA or Reg Z. The loan proceeds are not primarily used for personal, family or household purposes. Examples include: buying a rental property, pulling cash out of a residence to invest in a business, etc.
Review this chart for more examples: “Business vs. Consumer Loan”
How is Capital Benefit different from a “regular” lender?
Who do I make my payments to?
We service all of our loans and do so for the life of the loan. So, each month, you receive a statement from us, and, each month, you make your payment directly to us.
How do I qualify for your loan?
We only have 2 criteria: the equity in your home and your stated income.
What are your rates?
The financial crash of 2007 wiped out all subprime and ALT-A lenders. But even the biggest and strongest banks suffered huge losses. Consequently, banks are still shying away from funding mortgages – even today. The disappearance of many lending institutions along with the reluctance by the “surviving” banks to engage has left a huge void in the marketplace. Many strong borrowers and many borrowers with substantial equity in their properties simply cannot obtain financing anymore. Our loan products address that need. Our funding, however, does not come from Wall Street or the Federal Government. Instead, we work with high-networth individuals to lend these funds to our borrowers. For their risk, our investors expect to earn 9% or better.
What is a “business purpose” loan?
We only fund “business purpose” loans. A “business purpose” loan is not regulated by NMLS, TILA or Reg Z. The loan proceeds are not primarily used for personal, family or household purposes. Examples include: buying a rental property, pulling cash out of a residence to invest in a business, etc.
Review this chart for more examples: “Business vs. Consumer Loan”
Why would I invest with Capital Benefit?
What is Trust Deed Investing?
Why would I invest in Trust Deeds?
Trust Deeds are a compelling alternative investment which provide attractive yields and passive monthly income as part of a risk-averse strategy.
Investments in Trust Deeds secured by one or more interests in real property are subject to risk of loss.
How am I vested?
You instruct us how you want to be vested. Our loan documents including our note and deed of trust will feature your vesting. We do not operate loan pools or LLCs to fund our loans.
Who do I fund with?
You will wire your funds directly to the insuring title company.
What is the minimum investment?
$25,000 – our offerings are available as multi-beneficiary (fractional interest portions) or whole-note investments.
What is a typical yield?
Our loans yield between 7.50% to 12% depending on the collateral. On average, our investors’ portfolios yield 10.25%
What are your rates?
The financial crash of 2007 wiped out all subprime and ALT-A lenders. But even the biggest and strongest banks suffered huge losses. Consequently, banks are still shying away from funding mortgages – even today. The disappearance of many lending institutions along with the reluctance by the “surviving” banks to engage has left a huge void in the marketplace. Many strong borrowers and many borrowers with substantial equity in their properties simply cannot obtain financing anymore. Our loan products address that need. Our funding, however, does not come from Wall Street or the Federal Government. Instead, we work with high networth individuals to lend these funds to our borrowers. For their risk, our investors expect to earn 9% or better.
What servicing do you provide?
We provide comprehensive loan servicing including: sending statements to borrowers and investors, collecting payments from borrowers and disbursing earnings to investors, monitoring property taxes and insurance coverage, managing the foreclosure process, completing year-end tax reporting and responding to borrower and investor inquiries. You can access your account online to monitor your portfolio from any browser and now through our iPad app.
How much do you charge for servicing?
We advertise all our investment with the “Investor Yield” which is the net rate you will earn. The note rate on the investment is slightly higher. The difference – or spread – compensates us for our servicing activities. There are no other charges.
How do I start investing?
© Capital Benefit. Site by Ripcord Digital
CA Bureau of Real Estate: Real Estate Broker License #01876453
Nationwide Mortgage Licensing System ID 254002
California Properties Only