Want to Invest with Us?

At Emory Funding we work with investors who want to lend their money at a higher return

There are a number of investment opportunities to consider when looking for a fixed-income return. Few of those opportunities put investors in control the way a trust deed investment can. Investors who lend their money in a trust deed investment enjoy the security that comes from real estate pledged to secure the loan. They also know the borrower’s history and the borrower’s capacity to make payments. Compared to other fixed-income investments a trust deed yields a higher annual return, typically 10% to 12%. We encourage every investor to research trust deed investments and how they can strengthen an investment portfolio.


Who can be an investor?

Investors: A private money lender might be someone that may not want to own rental or commercial properties or even mange tenants, but enjoy the minimal efforts a trust deed investment offers them. One great benefit, the 10 to 12% average returns on trust deed investments are much more attractive than most money markets and bank CD’s.

Retirees: Many retired investors have become private mortgage lenders to receive a consistent monthly income secured by a pledged real estate property that has significant equity. This can be an excellent cash flow for that retired individual.  As a private investor, you receive a relatively high yield from private mortgage investments, which makes retirement funds last longer.

If you have at least $25,000 to invest in trust deeds, we would love the opportunity to show how you can also participate in earning annual return of 10% to 12% from your investment.

What is the investment criteria?

  • We only fund first trust deeds
  • Each deal has a well-defined and viable exit strategy
  • Investment returns of 10% – 12%
  • Each property is purchased at market value or below.
  • We only work with borrowers who can demonstrate the ability to repay the loan
  • We only offer short term investments ranging between 6 months and three years


  • Market value and equity in the property and the security of the loan.
  • Borrower’s financial strength and ability to repay the loan.
  • Evaluate third party vendors and reports involved in the transaction.
  • Review all escrow and title reports, appraisals, property inspections.
  • Validate documents and instruments describing, evidencing, and securing the loan.
  • Set-up loan servicing contracts, property tax, and insurance impound accounts, paid by borrower.
  • The protocol for recovering your investment if and when the borrower fails to pay.

How does it work?

These types of opportunities are relatively uncommon. However through our networks, we are able to offer these investments opportunities more frequently. Minimizing risk is always a major priority during our due diligence. We look at each of these opportunities very closely to be sure they meet our strict standards before offering them to our investors.

Your investment is embodied in a Promissory Note secured by a First Trust Deed. Both the property and the title are insured against loss or claim through a title policy. Each property is evaluated and inspected through various methodologies. It is highly endorsed that in addition to our investigation on both the borrower and property in every potential transaction, that our investors conduct their own due diligence on every opportunity we offer them.

Simply stated, private money lending is the process of borrowing money from private lenders (not banks or financial institutions) at rates higher than banks or savings and loans and collateralized by real estate assets with a promissory note and deed of trust guaranteeing you a first lien on the property.


Still unsure about investing with us?

Whether you are a seasoned private money lender or considering your first trust deed investment, these are critical elements we implement during our due diligence:

  1. Our investments are more profitable than traditional savings or bank CD’s
  2. We qualify the borrower and their cash reserves to handle the property/loan
  3. We evaluate the property ensuring there is sufficient equity so that the loan is protected to your degree of comfort
  4. We research the property and its condition, including an on-sight inspection
  5. We examine all the pertinent data tied to the collateralized property
  6. We validate a clear exit strategy to pay off the debt

* Our clients can invest their self-directed IRA and 401(k) accounts with one of our affiliate IRA custodians.

**Before investing the mortgage broker must provide the investor with all disclosures required by law. Investment is not insured. Debtor may default on the loan and investor may incur losses through foreclosure. Repayment of principal and interest are not guaranteed.