Earn like the bank.Secured by real estate.
Private lending lets you participate in real estate as the capital partner rather than the operator. You fund a specific property project; the property itself — not a promise — secures your position, and you earn interest for the use of your money.
You fund the deal. The property secures it.
Instead of buying, renovating and managing a property yourself, a private lender provides short-term capital to an operator who does. The loan is documented, recorded and tied to a real, inspected asset with a defined exit.
Interest Income
Your return comes from the interest charged on the loan — typically paid monthly or accrued and paid at payoff, per the note.
Defined Term
Private loans are short-term by design, structured around a renovation-and-exit timeline rather than a 30-year horizon.
Return of Principal
At the exit — a sale or a refinance into long-term financing — the loan is paid off and your principal is returned.
What stands behind your capital.
A well-structured private loan is protected by layers of documentation and collateral. These are the safeguards you should expect to see on any deal.
Recorded Lien
A deed of trust or mortgage recorded against the property in your favor — your claim is public record, not a handshake.
Promissory Note
The written contract that spells out the amount, rate, term, payment schedule and remedies if anything goes wrong.
Title & Hazard Insurance
Lender's title insurance protects your lien position; property insurance lists you as loss payee.
Conservative Loan-to-Value
Loans are sized against the property's conservatively estimated value, leaving an equity cushion beneath your position.
Third-Party Closing
Funds move through a title company or closing attorney — never directly to the operator.
Transparent Servicing
Regular renovation and timeline updates so you always know where the project — and your capital — stands.
From introduction to payoff.
- 01
Introduction Call
We learn your goals, timeline, capital source (cash, self-directed IRA, entity) and comfort with risk.
- 02
Opportunity Presentation
When a project fits, you receive an underwriting package: property details, scope, comparable sales, budget and exit plan.
- 03
Documentation
A closing attorney or title company prepares the note, deed of trust and lender's title policy for your review.
- 04
Funding at Closing
You wire funds to the title company's escrow; the lien is recorded in your name at closing.
- 05
Renovation & Updates
The operator executes the plan while you receive progress reports and scheduled interest payments as documented.
- 06
Payoff
On sale or refinance, the title company pays off your note — principal plus any accrued interest — and releases the lien.
Two ways into the same asset class.
| Consideration | Private Lender | Property Owner |
|---|---|---|
| Role | Capital partner | Operator & owner |
| Return source | Interest on the note | Rent, appreciation, tax benefits |
| Time involvement | Review documents, receive payments | Renovation, tenants, management |
| Position | Secured lien, ahead of equity | Equity, behind lenders |
| Upside | Fixed, defined by the note | Uncapped, tied to the market |
| Horizon | Short term, defined exit | Long term, owner's discretion |
Know what you're lending into.
- A borrower may default or fall behind, requiring collection or foreclosure.
- Renovations can run over budget or behind schedule, delaying payoff.
- Property values can decline, reducing the equity cushion beneath your lien.
- Private loans are illiquid — capital is committed until payoff.
- Title, insurance, permitting or legal issues can affect the project.
- Loan documents, lien position and insurance must be independently reviewed.
This page is educational and is not an offer to sell or a solicitation to buy any security or loan. Any private lending relationship with Bossard Investment Group LLC is structured case-by-case, documented separately, and may be limited to accredited or sophisticated investors in compliance with applicable securities laws. Returns are not guaranteed. Consult your legal, tax and financial advisors.