Chapter 1

Cal Western Investment Funding

Cal Western Investments, is one of California ‘s leading sources of non-institutional, short term real estate loan providers, is a dynamic and professional company that specializes in providing real estate loans that are not usually obtainable by conventional lenders.  In short, Cal Western Investments provides lending investment opportunities known as a Trust Deed.

The funds for these short term loans that are  provided by Cal Western Investments, come from a variety of sources that include, but are not limited to, individual investors, hedge funds, pension plans, trusts, IRA’s, and REIT’s.    This type of lending that is provided by Cal Western Investments is commonly referred to as hard money or private money lending.

What is private money lending?

At this point you may be asking yourself: What is private money lending?  Private money lending refers to loans that have been collateralized by real estate, and are made in regards to the decision of making a loan that is based mainly on the protective equity within the property.

Private money loans are required by borrowers, who fail to meet guidelines set up by conventional institutions such as banks, life insurance companies and conduits.  The guidelines regarding the main credit decisions of such institutions are based on the borrower’s income and credit.   Thus, from a lenders perspective, while providing a loan may seem like a sensible transaction, due to the fact that it’s classified as subprime, it requires private money lending.

Cal Western Investments underwrites, solicits, processes and funds private money lending, and is extremely reliable because they have more than 25 years of experience in real estate lending.  They are experts in their field, and provide creative financing solutions because they know how to deal with, and understand complex transactions.

Their creative skills give Cal Western Investments a unique advantage over other lenders, because they provide direct loans that are underwritten.  In other words, instead of outsourcing to obtain their information, Cal Western Investments personally determines inherent risks regarding specific loans, and establishes appropriate terms and conditions for the loans which they fund internally.   This allows them the ability to approve and fund loans within hours or days of a submitted application.

Cal Western Investments and Trust Deed Investing

Cal Western Investments provides investors with many unique opportunities to invest in trust deeds.  The loans provided by Cal Western Investments are first secured with deeds of trust on real estate, and in addition are supported with the borrower’s personal guarantee.  All deeds of trust are insured by a reputable Title Insurance Company that is recognized nation wide, and all costs that are related to underwriting, documentation and servicing of the loan are paid by the borrower.

An asset based lender, Cal Western Investments, primarily bases their decision on whether or not to provide a loan based on the amount of equity in the property.  If the property meets their equity requirements, Cal Western Investments will then carefully analyze the borrower’s personal characteristics, as well as their ability to repay the loan, and the project viability.

Before a loan is granted, a Cal Western Investments officer will perform a personal inspection of all subject properties.  Furthermore, Cal Western Investments will never fully rely on appraisals, and will confirm values by utilizing their own internal comparable sales analysis through an interviewing process with real estate brokers familiar with the area in question.

The vast majority of loans that are funded by Cal Western Investments are through individual investors.  Every investor is provided with a loan summary that supplies information in regards to:

loan terms

Property serving as collateral

Details about the borrower/guarantor

Cal Western Investments gives support to their investors, and assists them through every stage of the loan, which includes the documentation, servicing and loan management.

Currently, Cal Western Investments is proud to work with almost 50 active investors.  Some of these investors have a strong relationship with Cal Western Investments; a relationship that has been built and thrives on an enormous level of trust developed throughout the years.  In addition, Cal Western Investments is pleased to see this same development of trust blossoming with their other investors, and always look forward to developing future relationships with new investors.

For more information about Cal Western Investments, or if you would like to about becoming an active trust deed investor just subscribe to this Blog and all information will be e-mailed to your designated e-mail address