--- title: California Trust Deed Investments | Real Estate Hard Money Loans description: Trust Deed Capital business standards and philosophy for California real estate investors and borrowers. We're a trusted private money lender. --- [![Trust Deed Capital](https://www.trustdeedcapital.com/hs-fs/file-16494019-png/images/trust-deed-capital-logo.png "Trust Deed Capital")](https://www.trustdeedcapital.com/) CALL 1 (888) 563-5588 Search ![Investors](https://www.trustdeedcapital.com/hs-fs/images/investors-banner.jpg) [![Click me](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/51e30ce7-a1bf-4695-a9d3-ba4c639d7703.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/51e30ce7-a1bf-4695-a9d3-ba4c639d7703) [![New Call-to-action](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/e71197d6-8627-41dd-b18c-b980ea6f4dd5.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/e71197d6-8627-41dd-b18c-b980ea6f4dd5) [![Click me](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/8c1ed7f8-91e0-4490-af38-0396a430c3d6.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/8c1ed7f8-91e0-4490-af38-0396a430c3d6) # Our Business Standards ## Our Underwriting Philosophy Our primary objective is to protect our clients’ investment dollars. That is why we feel that we would rather lower our rate to capture a high quality loan rather than fund a lower quality loan just to capture a higher yield. ### We always ask ourselves the following questions when underwriting a loan: 1. Does the borrower have a reasonable plan to make a profit, make the payments, and to pay off the loan? 2. What is the borrowers experience with what he/she is trying to do? 3. What will be the borrowers’ sources for repayment? 4. Does the borrower show a positive history of stability and creditworthiness? 5. And this is the big one, if they don’t pay, are we okay? This is why we generally do not lend over a 60% LTV and why we personally visit every property. Additionally, we require an Alta title insurance policy on every loan. ### Our Affiliates: We have carefully selected third party service companies that will give our investors the ultimate in service and protection. Your funds and the borrower’s payments are ALWAYS handled by a licensed, bonded, and insured company. We cannot overstate the importance of this process when it comes to the safety of your investments. ### Our Experience: We, the principals, of Trust Deed Capital, Inc. invest our own money in 1st trust deeds. ([See the Presidents/CEO profile page](http://trustdeedcapital.web10.hubspot.com/our-president-ceo/)). We feel this is the ultimate testimonial. However, also important is the fact that we have decades of experience in all facets of mortgage lending. And, have also purchased distressed properties through short sales, trustee sales, REOs, and the open market. We have rehabbed and flipped properties and we currently hold and manage rental properties. This helps us to evaluate the borrowers experience and it allows us to serve as a resource to help ensure our borrowers success. - [Investors](https://www.trustdeedcapital.com/understanding-trust-deeds/) - [Understanding Trust Deeds](https://www.trustdeedcapital.com/understanding-trust-deeds) - [Our Business Standards](https://www.trustdeedcapital.com/our-business-standards) - [Yield Comparisons](https://www.trustdeedcapital.com/yield-comparisons) - [The Process](https://www.trustdeedcapital.com/investor-process) - [Available Trust Deeds](https://www.trustdeedcapital.com/trust-deeds-available) - [Investor FAQs](https://www.trustdeedcapital.com/investor-faqs) - [Investor Testimonials](https://www.trustdeedcapital.com/investor-testimonials) - [Investor Documents](https://www.trustdeedcapital.com/investor-documents) - [Borrowers](https://www.trustdeedcapital.com/borrowers/) - [Loan Programs](https://www.trustdeedcapital.com/loan-programs/) - [The Process](https://www.trustdeedcapital.com/borrower-process/) - [Borrower FAQs](https://www.trustdeedcapital.com/borrower-faq/) - [Borrower Testimonials](https://www.trustdeedcapital.com/borrower-testimonials/) - [Borrower Documents](https://www.trustdeedcapital.com/borrower-documents/) - [Brokers](https://www.trustdeedcapital.com/brokers/) - [Loan Programs](https://www.trustdeedcapital.com/broker-loan-programs/) - [The Process](https://www.trustdeedcapital.com/broker-process/) - [Broker FAQs](https://www.trustdeedcapital.com/broker-faq/) - [Broker Documents](https://www.trustdeedcapital.com/broker-documents/) - [Realtors](https://www.trustdeedcapital.com/realtors/) - [Loan Programs](https://www.trustdeedcapital.com/realtor-loan-programs/) - [The Process](https://www.trustdeedcapital.com/realtor-process/) - [Realtor FAQs](https://www.trustdeedcapital.com/realtor-faq/) - [About Us](https://www.trustdeedcapital.com/our-company/) - [Our Company](https://www.trustdeedcapital.com/our-company/) - [Our Mission](https://www.trustdeedcapital.com/our-mission/) - [Our President / CEO](https://www.trustdeedcapital.com/our-president-ceo/) - [Careers](https://www.trustdeedcapital.com/careers/) - [Contact Us](https://www.trustdeedcapital.com/contact-us/) - [Resources](https://www.trustdeedcapital.com/resources/) - [Recommended Links](https://www.trustdeedcapital.com/links/) - [Forms](https://www.trustdeedcapital.com/forms/) [![Trust Deed Capital](https://www.trustdeedcapital.com/hs-fs/file-16459350-png/images/foot-logo.png "Trust Deed Capital")](https://www.trustdeedcapital.com/ty-the-best-of-hard-money-articles#) - 120 Newport Center Drive, Suite 262 - Newport Beach, Ca. 92660 - CALL 1 (888) 563-5588 [![American Association of Private Lenders](https://www.trustdeedcapital.com/hs-fs/file-16459062-png/images/foot-assoc.png "American Association of Private Lenders")](http://www.aaplonline.com/) - [![Like us on Facebook!](https://www.trustdeedcapital.com/hs-fs/file-16456386-png/images/facebook.png)](http://on.fb.me/ovGeDr) - [![Follow us on Twitter!](https://www.trustdeedcapital.com/hs-fs/file-16497114-png/images/twitter.png)](http://twitter.com/#!/trustdeedcap) - [![Connect with us on LinkedIn!](https://www.trustdeedcapital.com/hs-fs/file-16469641-png/images/linkedin.png)](http://goo.gl/UXhHe) © 2015 Trust Deed Capital, Inc. | [California Bureau of Real Estate, Real Estate ](http://www.dre.ca.gov/) Broker #1805798-NMLS #296507 | [Privacy Policy](https://www.trustdeedcapital.com/privacy-policy) | [Contact Us](https://www.trustdeedcapital.com/contact-us)