Welcome Investors

Our objective is to provide a high quality, high yield investment return to our investors. Investors own an undivided interest in a promissory note that is secured by a deed of trust or mortgage on real property.  Our investors are currently enjoying returns between 12% - 14% annually which are suitable for individuals, trusts, pensions, IRAs and investment partnerships or corporations.

Our borrowers are typically seasoned real estate professionals who don’t mind paying higher costs upfront because it provides them with the liquidity required to secure distressed properties at deep discounts which they in turn convert into profits on the backside of the transaction.  This creates a compelling opportunity for our investors to participate in loans that offer very strong & predictable yields.

• First Trust Deeds can diversify your investment portfolio
• First Trust Deeds are an excellent use of IRA funds as interest is deferred
• First Trust Deeds offer predictable monthly returns
• Investors can get start with as little a $10K  
• We handle all aspects of your investment from the initial funding to the final payoff

• 65% Maximum LTV
• Every property is visited
• An executive summary is published on each loan
• 3-12 months interest reserves are built into most loans
• La Costa Loans manages the rehab funds insuring that our collateral is improved
• La Costa Loans participates in over 90% of the loans we underwrite

• Credit           Does the borrower pay their bills?
• Capacity      Does the borrower have the ability to meet their financial obligations?
• Collateral    Do we like the property and believe we are funding at 65% LTV?                   

• Your investment is a First Trust Deed secured by a recorded Promissory Note and Deed of Trust
• First Trust Deeds are recorded at the County Recorder’s office and are legal documents
• First Trust Deeds offer legal protection, recourse and enforcement
• Loan to Value ratios do not exceed 65% based on our underwriting