Private Mortgage Investing in Boca Raton, FL

Trust Deed Investing and Note Investing

Generate predictable, asset-backed returns through Private Mortgage Investing.

Who This Is For

Private mortgage investing suits real estate investors who want predictable income secured by first lien trust deeds. If you prefer collateralized notes over owning rentals, this is a fit.

Accredited investors seeking passive income from mortgage note investing and private lending solutions

Property investors are diversifying beyond equities with private money loans and short-term notes aligned to clear investment goals

Focuses on residential investment properties, rental properties, and commercial real estate.

Why Private Mortgage Investing

You are lending against real property with a conservative loan-to-value, so a recorded first lien security protects the principal. Cash flow is interest-based, not dependent on tenants, and complements real estate financing and real estate loans used by borrowers.

First lien position with a recorded Deed of Trust and conservative LTV targets

Monthly payments via interest distributions and short-duration exposure that lets capital recycle

Diversification beyond public markets with asset-backed real estate income

Flexible pathways to DSCR (Debt service coverage ratio) refinance exist when the debt service coverage ratio is met, even when traditional bank loans are not available

How it Works

We source deals, validate collateral, and underwrite for LTV, valuation, exit strategy, title, and escrow. After closing, you receive monthly interest until payoff or refinance.

Underwriting inputs: collateral strength, LTV, valuation, sponsor profile, borrower’s credit history, income verification, title, and escrow

Recording and servicing: Deed of Trust and Promissory Note recorded, payments handled by professional servicing on residential and commercial properties

Payoff paths: sale, refinance into DSCR loans after stabilization, or maturity payout, including takeouts with traditional loans from traditional lenders when criteria are met

Typical pricing: rates generally 8.99 to 12 percent, terms 3 to 15 months, plus origination points based on risk, leverage, property type, and loan amount

Eligible structures: fix and flip loans, construction loans, and commercial bridge loans on qualified investment properties

Investment Options

Pick the note structure that fits your strategy. All investments are first lien, asset-backed, and underwritten to conservative LTVs.

First lien trust deeds on residential investment properties
Single-family and small multifamily properties, private money lenders provide private loans with defined terms and recorded security, clear exit plans that keep risk contained.
Notes secured by commercial real estate
Stabilized assets with strong DSCR, income-producing commercial properties with documented valuation, tailored solutions that prioritize timely interest and transparent reporting, often bridging to longer-term commercial loans.
Construction loans and commercial bridge loans
Ground-up construction and value-add projects with verified budgets, draw control through escrow, and short-duration bridge capital that leads to DSCR refinance or sale.

Request the Investor Kit to see current offerings and allocation minimums.

Coverage and Property Types

We focus on markets where investor demand and collateral quality align.

Markets served- Miami-Dade, Broward, Palm Beach, the State of Florida, and the United States.
Eligible collateral- Residential investment properties, single-family and small multifamily, commercial real estate, mixed-use, ground-up construction with verified budgets.
Borrower profiles- Experienced investors and developers, foreign nationals with qualifying documentation, projects with clear DSCR-friendly exit strategies.

Get Started, Private Mortgage Investing

Onboarding is quick and transparent. You review real deals, not theory, then fund through escrow once terms are set.

What you see in each deal

due diligence package, participation agreement, servicing info

View Closed Loans

Speak with an Advisor

Compact risk disclosure

Notes are illiquid until payoff, defaults can occur, values may differ from estimates, first lien collateral and conservative LTVs are risk controls, not guarantees. Contact us to review current offerings, or call today to get all your questions answered.

Call: 561-931-6500

Returns, Risks, and Controls

Private mortgage investing pays contractual interest, not speculative rent growth. You earn monthly distributions during the note term and receive principal at maturity, payoff, or refinance.

How income is paid- Interest is distributed monthly by the loan servicer according to the note terms. Principal is returned at sale, refinanced into DSCR loans, or at maturity through escrow.
Core risk controls- First lien security recorded against the underlying property. Conservative LTV targets to create an equity cushion with a diversified note selection across property type, geography, and term.
If a default occurs in- The servicer manages notices, cure periods, and, if needed, a trustee sale or judicial process, depending on county practice. Timelines vary by collateral and title status. Proceeds from the subject property repay expenses, accrued interest, then principal in lien order.

Compare to Buying Rentals

Notes provide income without tenants, repairs, or property management. You lend against property value with defined terms, which many real estate investors prefer to the volatility of operating rentals.

Key differences:
Interest income focus vs rent and appreciation. No maintenance calls or vacancy risk. Short-duration exposure with clear exit strategies.
Where notes fit:
A complement to equities and direct real estate, adding asset-backed cash flow through mortgage note investing and trust deed investing. Useful for investors seeking private lending exposure with lower operational load and a rules-based investment strategy.

Speak with an advisor to review current notes and confirm fit for your portfolio.

Call: 561-931-6500

Tax Benefits, Investor Considerations

Interest from private mortgage investing is generally taxed as ordinary income, so plan for after-tax yield before allocating capital. There is no state income tax on interest; federal rates still apply, so coordinate timing and cash flow with your CPA.

Income treatment

Monthly interest is typically reported on Form 1099 INT by the servicer.

A principal return at payoff is a return of capital, not income.

Tax-advantaged accounts

Self-directed IRAs and solo 401 (k) plans can defer or shelter interest.

Confirm custodian rules, fees, processing timelines, and asset eligibility.

Do’s and don’ts

Keep funds and titling in the retirement account’s name.

Avoid transactions with disqualified persons and any personal use.

Do not pledge retirement assets as collateral.

Notes

Use a servicer that provides clear year-end statements.

Maintain records of accruals, extensions, and payoffs for accurate reporting.

Speak with a qualified tax advisor before investing.

Call: 561-931-6500

Self-directed Investing, IRA, and Solo 401 (k) Pathways

Using a self-directed IRA or solo 401(k) allows the plan, not you personally, to own the note and receive payments, which may improve tax outcomes.

Eligibility and setup

Select a self-directed custodian or a solo 401(k) provider.

Open and fund via rollover or transfer, and verify authorizations in advance.

Titling and direction of investment

Title all documents in the plan’s name, not your personal name.

Submit a direction of investment with deal terms, LTV, collateral, and closing instructions.

Funding and documents

The custodian wires the funds through escrow after reviewing the Promissory Note, Deed of Trust, and servicing agreement.

Expect transaction and annual maintenance fees.

Reporting and compliance

Custodians handle Form 5498 and 1099 R for distributions.

Keep statements, payoffs, and valuation support for year-end reporting.

Common pitfalls

Titling errors or commingling personal and plan funds.

Prohibited transactions with disqualified persons.

Missing custodian approvals that delay funding.

Call: 561-931-6500

Loan Programs Overview

Private money loans with first lien security, conservative LTVs, and clear exits. Choose the structure that fits your investment strategy.

Commercial bridge loans

Interim financing for income-producing commercial real estate and mixed-use is a complement to commercial loans that follow once DSCR and stabilization are in place.
Stabilize occupancy, complete improvements, then refinance properties or sell.
Pricing and leverage are aligned to DSCR, tenancy quality, and market strength.

Call: 561-931-6500

Gelt funded deals

Illustrative tiles showing structure, geography, and discipline. All deals are underwritten to conservative LTVs with recorded first liens on real estate projects. We offer very competitive interest rates!

Single family flip, Miami Dade County, 62 percent LTV, 12 month term, Funded.

Small multifamily renovation, Broward County, 58 percent LTV, 9 month term, Repaid.

Retail condo bridge, Palm Beach County, 60 percent LTV, 12 month term, Current.

Ground up spec home, Lee County, 55 percent LTV, 11 month term, Current.

Mixed use reposition, Tampa Bay, 59 percent LTV, 15 month term, Funded.

Infill construction, Pasco County, 57 percent LTV, 12 month term, Repaid.

Speak with an advisor to see the current inventory and closed loans.

Call: 561-931-6500

Frequently Asked Questions

What is a first lien trust deed, and how am I protected?

A first lien trust deed gives you a senior claim on the underlying property if a borrower defaults. Protection comes from recorded security, conservative LTV targets, title insurance, and professional servicing that manages notices, cure periods, and any foreclosure steps.

How fast can a private money loan close, and what documents are required?

Experienced direct private lenders and hard money lenders can close in 3 to 15 business days, depending on the availability of a clean title and valuation. Typical items include purchase contract, entity documents, budget if applicable, valuation, insurance, and escrow instructions, similar to hard money loans used by investors for speed.

Can foreign nationals participate in private mortgage investing?

Yes, many foreign nationals invest through entities or self-directed structures subject to KYC and U.S. tax reporting. Expect enhanced documentation, verified funds, and clear instructions for servicing and distributions.

What are typical LTV and DSCR targets for investment properties?

First lien trust deeds are commonly sized to about 55 to 65 percent LTV, depending on collateral and market strength. DSCR targets for takeout loans generally start near 1.20x to 1.25x once the asset is stabilized.

How do early payoffs and prepayment affect yields on notes

Early payoff shortens the interest period and can reduce your realized yield. Some notes include minimum interest periods or prepayment fees that help offset reinvestment timing.

Which markets and property types are currently in scope

Eligible collateral includes residential investment properties, small multifamily, mixed-use, and select commercial real estate with clear exit strategies.