Alliance Portfolio: Your Trusted Partner For Secure Trust Deed Investments

Trust deed investments are loans secured by real estate, often referred to as mortgages. Trust deed investments include 3 primary components and are widely recognized as a stable income-generating strategy for investors seeking asset-backed opportunities. A trust deed investment allows investors to participate in real estate lending without directly owning property, offering predictable returns and enhanced portfolio diversification. These investments are structured to balance risk and reward effectively.

Promissory Note: A debt instrument that outlines the terms and conditions of the loan, including the principal amount, interest rate, payment schedule, and term of the loan. In essence, a promissory note outlines the responsibilities and obligations set forth between the lender and the borrower. It is a legally binding contract that is secured by a recorded deed of trust.

Deed of Trust: A collateral instrument whereby legal title in real property is transferred to a third-party trustee, who holds it as security for a loan (promissory note) between a borrower and a lender. Deeds of Trust contain three primary components:

  • The trustor or borrower
  • The trustee is a third-party entity that holds legal title on behalf of the beneficiary
  • The beneficiary is the lender/investor

Title Insurance Policy: A title insurance policy provides legal and financial protection against unknown risks. It also ensures a lender’s priority of the lien positions in the chain of title.

Trust Deed Investments: Comprehensive Compliance & Due Diligence

Alliance Portfolio follows a disciplined and transparent approach to evaluating every opportunity. Our process is designed to protect investor capital while ensuring each trust deed investment meets strict regulatory and underwriting standards. Alliance Portfolio adheres to a systematic due diligence process that includes:

  • Regulatory Compliance & Disclosures: Alliance Portfolio is a threshold lender and is regulated by the California Department of Real Estate (DRE). Each quarter, we are required to submit a Trust Account Inspection for Multi-Lender Transactions by a Certified Public Accountant to the DRE
  • Property Appraisal: Alliance Portfolio orders a third-party independent appraiser to inspect and evaluate each property we lend on
  • Preliminary Title Search: Verifying property taxes, existing liens, chain of title, easement, restrictions, and borrowers’ vesting
  • Borrower Loan Package: With each borrower, we require a completed borrower loan application and disclosures, income and asset verification, employment verification, credit report, background checks, use of proceeds, and the exit strategy for payoff
  • Fire & Liability Insurance: Alliance Portfolio and successors are named as additional loss payees
  • A complete due diligence package is provided with each trust deed investment opportunity, ensuring every trust deed investment is thoroughly vetted and structured for investor confidence

Learn More About Trust Deed Investment

Name(Required)
How did you hear about us?
Address(Required)

Disclaimer

Investments in trust deeds secured by one or more interests in real property are subject to risk of loss.