Important Information for Trust Deed Investors

Information For New Southern California Trust Deed Investors

Minimum investment is: $10,000

Are you looking for secure real estate trust deed investments in California real estate?

Check out our available loans now!

Thank you for your interest in Southern California trust deed investments from Lantern Financial Inc.

If you are new to investing in California Trust Deeds, please review the following important information.

We offer opportunities to investors interested in making private real estate loans to our borrowers on commercial properties in Southern California.

The majority of our borrower clients are individual property owners with 25% or more equity or stake in commercial real estate, who for one reason or another chose not to go with conventional financing.

The properties we consider trust deed loans on are Mixed Use Properties - Office Buildings - Retail Buildings - Warehouses - Mini Storage Facilities - Light Industrial Buildings - Gas Stations - Automotive Repair Shops - Hotels & Motels - Apartments of 5 Units & More - Commercial Condominiums - Churches - Construction – Land properties.

Our loans include purchase money loans, refinance loans, construction loans, and rehab ("fix-and-flip") loans on Southern California real estate. We do not consider unsecured business loans or personal loans. Title to the properties we arrange loans for may be vested in individuals, LLCs, corporations, or trusts.

Lantern Financial Inc. is NOT an investment company or Real Estate Investment Trust -- we are a licensed California real estate mortgage broker that originates privately funded real estate loans. 

We do not "pool" investors or investments. We do not produce any literature or a prospectus on our services or trust deed investments, nor do we act as a property information service, your investment advisor, your legal counsel, or as instructors with regards to real estate trust deed investments.

General information regarding CA real estate lending, including most applicable California real estate law can be found at the CA Dept. of Real Estate's website: http://www.dre.ca.gov. You should also read Trust Deed Investments - What You Should Know!! #RE 35 rev. 1/00  which explains the basic steps and factors involved in trust deed investments.

We recommend that new investors still retain a competent and experienced real estate attorney prior to investing in CA trust deeds.

We do not guarantee the performance of any borrower in meeting his or her obligations under your Note and Deed of Trust. You may have to file the legal paperwork and foreclose on a property in order to recover your investment in the event of a borrower's default on your loan. In the event that you select a 2nd or 3rd Trust Deed position, you may have to "cure" the notes in front of yours if the borrower defaults on superior liens in order to protect your investment.

The investors we primarily use to fund our loans are typically high-wealth individuals with broad experience in real estate lending and investment, and are capable of making a commitment to lend (or not) within a matter of hours or a day or two.

Our minimum investment is $10,000. If you have an interest in investing please fill out our investor information form.  All Information you provide will be kept in the strictest of confidence.

All loans MUST meet state and federal regulations. Properties within the city of Los Angeles also have additional regulations and compliance that supersede state laws.

We are NOT your legal counsel or advisor as to the specifics of any applicable regulations applying to private mortgage lending in California-- it is strongly recommended that you retain legal counsel and familiarize yourself with all laws and regulations PRIOR to investing in California trust deeds.

You should also NOT consider investing in trust deeds unless you have significant cash reserves available to protect your investment in the event of default and foreclosure.