For investors · Trust Deed Investing
Hand-picked, asset-by-asset.
For investors who want to evaluate every loan, our trust deed program offers fractional or whole-loan participation in individual first-position deeds of trust.
Trust Deed Investing
How trust deed investing works
A trust deed (or deed of trust) is a recorded security instrument that gives the investor a first-position lien on a specific real estate asset. When you invest in a trust deed through MCF Real Estate Capital, you are the lender of record (or one of a small number of lenders on a fractional loan), and the borrower's monthly interest payments flow directly to you. If the borrower ever defaults, the investor has the right to foreclose on a tangible piece of real estate held at a conservative loan-to-value ratio.
- First-position deed of trust on real estate
- Whole-loan or fractional participation (typically $50K minimum on fractional)
- Title insurance and hazard insurance with the investor named as loss payee
- Loan servicing handled in-house by MCF Real Estate Capital
How you select deals
Each opportunity is presented as a one-page underwriting summary covering property type, location, as-is and as-completed value, sponsor experience, loan amount, LTV, rate, points, term, and exit strategy. You review and choose which loans to fund — there is no obligation to participate in any specific deal. Funded loans are recorded in your name (or in the name of your IRA custodian, LLC, or trust).
- Detailed underwriting memo on every offering
- Independent third-party appraisal
- Sponsor background and credit review
- Clear exit strategy on every deal
Income, term, and protection
Trust deeds typically pay monthly interest at fixed rates over a 12–36 month term. Because every loan is secured by a recorded first-position lien at conservative LTV, principal is protected by tangible real estate equity rather than the borrower's credit alone. Title insurance, hazard insurance, and (where applicable) flood insurance are required at funding.
- Monthly interest payments via ACH
- Fixed rates over the loan term
- Conservative LTVs (typically 55–65%)
- Lender's title insurance on every loan
Who it's for
Trust deed investing suits accredited investors who want direct visibility into each loan, a defined collateral asset, and a fixed term — including investors using self-directed IRAs, Solo 401(k)s, family LLCs, or revocable trusts.
How it works
Qualify as an accredited investor
Trust deed investing at MCF Real Estate Capital is available exclusively to accredited investors. You become the direct lender of record on a specific loan, with your name recorded on the deed of trust.
You need to meet the SEC's accredited investor definition. Verification is handled through a third-party service and typically clears within 24–48 hours.