How Private Lending Works: A Secure Way to Earn Passive Income
What Is Private Lending?
Private lending is a real estate investment strategy where individual investors lend money to experienced real estate investors who use the funds to buy, renovate, and sell properties for a profit. In return, private lenders earn a fixed interest rate—typically higher than traditional investments—secured by real estate assets.
At I Am Cash Buyer, we offer private investors a guaranteed 8% return, secured by a mortgage trust deed, property insurance, and at least 30% equity in each property.
Why Choose Private Lending Over Traditional Investments?
Many investors turn to private lending because it offers:
✅ Passive Income – Earn money without actively managing real estate.
✅ Guaranteed 8% Returns – A fixed, predictable return on your investment.
✅ Secured Investment – Your loan is backed by a mortgage trust deed, property insurance, and 30% equity in the property.
✅ IRA & 401(k) Investment Opportunities – Use a self-directed IRA or 401(k) to invest tax-efficiently.
✅ Faster Returns – Most private lending deals are short-term (6-12 months), unlike stocks or mutual funds.
How the Private Lending Process Works
Step 1: Consultation & Investment Review
We begin with a one-on-one consultation to discuss:
- Your investment goals
- How much you’d like to invest
- Your preferred funding method (cash, IRA, 401(k), etc.)
Step 2: Deal Selection & Approval
Unlike traditional lenders, we only invest in projects we personally approve. Before presenting an opportunity to investors, we ensure:
- The property has at least 30% equity to protect your investment.
- The deal has a strong profit margin and a clear exit strategy.
- The loan is secured by a mortgage trust deed and property insurance.
Step 3: Funding the Investment
Once a deal is approved, funds are wired directly to a licensed title attorney at closing—not to us—ensuring full transparency and security.
Step 4: Project Completion & Payout
- We renovate and sell the property within the agreed timeline.
- Upon sale, you receive your original investment + 8% guaranteed interest.
Is Private Lending Right for You?
Private lending is ideal for:
✔️ Investors seeking consistent, passive income
✔️ Those looking for safer alternatives to the stock market
✔️ Individuals with self-directed IRAs or 401(k)s who want to maximize returns
✔️ Anyone wanting a secured, high-yield real estate investment
How to Get Started
Ready to earn secure, passive income through private lending? Schedule a consultation today to learn more about this low-risk, high-reward investment strategy.