Troisky, Inc

Loan Parameters we would invest in:

1.Short term, private money loans in the Sacramento, Elk Grove, Roseville, Yuba City, Marysville, and surrounding Bay Areas.

2. Loans from $30,000 to $750,000 with terms from 6 to 36 months.

3. Non-Owner Occupied investment real estate properties and projects.

4. Single Family and Multi-Family, and Commercial properties.

5. Loans up to 65% of the After Repaired Value.

Private Money Trust Deed Investments is simply investments by private individuals and companies in loans secured by real estate. Most trust deed investments are relatively short-term loans (maturity under 5 years, with most loans maturing from 6-24 months) made to professional real estate investors. In the current economic climate professional real estate investors are buying properties at foreclosure sales for bargain basement prices, fixing-up these properties, and reselling them for a profit or renting them out for a cash flow. Banks are reluctant to lend to this market not because the loans are particularly risky, but because banks have a great deal of bad real estate loans on their balance sheets as a consequence of the loose lending practices to the sub-prime market in recent years. Presently, banks are not willing to make real estate loans unless they fit a very strict set of criteria. Banks often do not want to lend to opportunistic real estate investors because the property which is security for the loan is not “move-in-ready condition” at the time of loan funding.  These properties usually need some repairs. For this reason, real estate investors have limited financing options available to them, and Private Money Lenders in this market are able to command interest rates 3-4 times the conventional financing you can get at the bank.

Borrowers are usually experienced, professional real estate investors who can get a high return to be able to cover the high-interest, short-term loans.

Loan To Value or Risk margin of safety is the difference between the loan amount, and the value of the underlying property, also known as the Loan To Value (LTV). The most important aspect of Trust Deed Investing is that if the borrower does not perform, the lender can foreclose on the property and sell it to recoup the investment, plus any accrued past due interest. If the loan is sufficiently conservative, i.e. the property value is high relative to the loan amount (Low LTV), then the investment should not lose money even if the borrower defaults on the loan. Well structured trust deed investments might have a 65% loan-to-value (LTV) or lower to establish a good "equity cushion" in order to protect the investor.