Invest in San Diego Real Estate Through Trust Deed Lending

Earn competitive returns secured by local real estate. Direct relationship with the fund manager. Short-term horizons.

Why Invest in Trust Deed Loans?

Trust deed investing offers a compelling alternative to traditional fixed-income investments. As a private lender, you provide capital secured by real property, earning attractive interest returns while maintaining a direct relationship with the borrower and their collateral.

01

Asset-Backed Security

Every loan is secured by San Diego real estate. Your investment is protected by the property's value and recorded lien position.

02

Predictable Returns

Earn consistent monthly interest payments at rates significantly above traditional savings accounts, CDs, and bonds.

03

Short-Term Horizon

Most trust deed loans have 3–5 year terms, providing regular liquidity opportunities without long-term capital lock-up.

04

Local Market Expertise

EZ Loans brings deep San Diego County real estate experience, underwriting every loan with hands-on local market knowledge.

05

Direct Relationship

Invest directly with the fund manager, Erik Egelko. No middlemen or opaque fund structures—complete transparency.

06

Diversification

Spread your investment across multiple properties and loan positions, reducing concentration risk in your portfolio.

Four Steps to Start Investing

1

Schedule a Consultation

Contact Erik Egelko to discuss your investment goals, timeline, and risk tolerance. We'll explain how trust deeds work and review available opportunities.

2

Review Opportunities

Access detailed information about current loans available for investment, including property details, loan terms, and projected returns.

3

Fund the Loan

Choose to invest in a whole loan or participate in a fractional investment with other investors. We handle all underwriting and documentation.

4

Earn Monthly Returns

Receive regular monthly interest payments directly to your account. Get transparent quarterly reports on loan performance.

Types of Investments Available

Whole Loan Investment

Invest in an entire loan yourself, securing a first or second position trust deed on the property. Whole loan investments are ideal for investors with larger capital amounts ($250K+) seeking full control and higher returns.

Benefits include direct relationship with the borrower, full control over loan terms, potential for equity participation, and typically higher yields than fractional investments.

Fractional Investment

Participate in a loan alongside other investors, providing capital for a portion of the loan amount. Fractional investments are ideal for investors seeking diversification across multiple properties with lower individual capital requirements.

Benefits include diversification across multiple loans, lower minimum investment ($50K+), professional loan administration, and reduced individual property risk.

First vs. Second Trust Deed Position

1st Trust Deed
Priority position—paid first in any foreclosure or property sale. Lower risk, lower yields (typically 6–8%). Ideal for conservative investors prioritizing capital preservation.
2nd Trust Deed
Secondary position—paid after the first lien, but only if equity exists. Higher risk, higher returns (typically 9–12%). Suitable for investors seeking better yields with moderate additional risk.

Interested in Investing?

Ready to learn more about trust deed investment opportunities? Fill out the form to receive detailed information about our current offerings, or contact Erik directly to discuss your investment goals.

We'll schedule a consultation to review available loans, explain the underwriting process, and answer any questions about trust deed investing in San Diego County.

Important Disclosure: This material is not a solicitation, offering, or recommendation to buy or sell securities. Trust deed investments involve significant risk and are not suitable for all investors. Only accredited investors as defined under SEC Rule 501(a) may participate. All investments involve risk, including possible loss of principal. Real estate values can fluctuate and borrowers may default. Trust deed investments are illiquid—you may not be able to sell or redeem your investment quickly. Past performance does not guarantee future results. There is no guarantee of return or preservation of capital. Consult your financial advisor, attorney, and accountant before making any investment decision. EZ Loans (NMLS #2543934) is licensed as a residential mortgage lender. This does not constitute approval or recommendation by any government agency.

Educational Resources

Explore our articles on trust deed investing and private lending in California:

What Is a 2nd Trust Deed?

A comprehensive guide to understanding second trust deeds, how they work, and why they're popular with real estate investors.

Read Article

2nd Trust Deed Rates in California

Current market analysis of trust deed interest rates, pricing factors, and how rates compare to other investment vehicles.

Read Article

Private Money & 2nd Trust Deeds

How private lending and trust deeds are creating opportunities for investors in California's real estate markets.

Read Article

Ready to Start Your Investment Journey?

Call Erik Directly

619-616-7332

Monday–Friday, 9am–5pm PST

Email Us

erik@egelko.com

We respond within 24 hours

Request Info

Complete the form above to receive our investor packet.

Scroll to Form