Hard MoneyFast funding based on the property, not your paperwork.Stated IncomeQualify without W-2s or tax returns.DSCRRental loans that qualify on the property's income.ConventionalTraditional financing at our best rates.No Monthly PaymentDefer payments until your loan pays off.ConstructionFinance a ground-up build from lot to finish.Fix & FlipBuy, renovate, and sell with short-term funding.BridgeShort-term financing while you move between properties.DistressedFunding for foreclosures and bank-owned properties.ProbateLoans for inherited and estate properties.Equity Cash-OutTurn the equity in your property into cash.

Trust Deed Investing

10%+

Historical target returns. Not a guarantee.

Annual Returns Backed by California Real Estate

Every dollar secured by first-lien trust deeds (loans secured by a first mortgage on the property). Monthly income. You see the property before you commit.

Start Investing Call 818-405-8302

$500M+

Deployed Capital

2,000+

Loans Funded

10%+

Target Return

<2%

Default Rate

Why Invest

Why Smart Money Chooses Trust Deeds

Four structural advantages no stock, bond, or REIT can replicate.

Monthly Passive Income

Interest payments deposited directly every month. Predictable cash flow, no market timing required.

Secured by CA Real Estate

Every investment backed by a recorded deed of trust on tangible California property — not a promise, a lien.

Conservative 65-75% Loan-to-Value (LTV)

We lend at most 65-75% of what the property is worth, so the equity cushion covers a 25-35% drop in property values. First-lien priority puts you ahead of every other creditor.

Non-Judicial Foreclosure

California allows non-judicial foreclosure — faster capital recovery than court-based states. Typical timeline: 120 days.

Available Deals

Live California Opportunities

A preview of trust deeds currently open to accredited investors. Full details and documentation inside the marketplace.

Accredited investors · $25K minimum

Funding

11.5%

Projected Yield

Single-Family Refi

Sunset Boulevard SFR

Bridge Loan

Bay Area Bridge

Fix & Flip

Del Mar Fix & Flip

View All Deals in Marketplace

New deals added weekly · Call 818-405-8302 for early access

Investor Process

From Source to Service

A transparent, end-to-end process designed to protect your capital at every step.

Step 01

Source

Hillcrest sources and vets borrower applications from across California.

01

Step 01

Source

Hillcrest sources and vets borrower applications from across California.

02

Step 02

Underwrite

Each loan is reviewed with property, appraisal, title, borrower, and credit analysis.

02

Step 02

Underwrite

Each loan is reviewed with property, appraisal, title, borrower, and credit analysis.

Step 03

Present

Qualified opportunities are presented to matched investors with transparent deal details.

03

Step 03

Present

Qualified opportunities are presented to matched investors with transparent deal details.

04

Step 04

Commit

Investors review the package and commit capital to the trust deed investment.

04

Step 04

Commit

Investors review the package and commit capital to the trust deed investment.

Step 05

Document

Legal documents are prepared, including LPDS, note, deed of trust, and servicing paperwork.

05

Step 05

Document

Legal documents are prepared, including LPDS, note, deed of trust, and servicing paperwork.

06

Step 06

Fund

Capital is wired through escrow and the deed of trust is recorded with the county.

06

Step 06

Fund

Capital is wired through escrow and the deed of trust is recorded with the county.

Step 07

Service

Hillcrest handles payments, statements, servicing, and borrower communication.

07

Step 07

Service

Hillcrest handles payments, statements, servicing, and borrower communication.

REAL RESULTS

Trusted by California borrowers and investors.

“We were nervous about trust deed investing, but the Hillcrest team walked us through every step. Consistent monthly returns for over a year.”

David & Lisa T.

First-Time Trust Deed Investors

“The returns have been exactly as described. Monthly statements and clear communication — my IRA has never performed this well.”

Patricia W.

Self-Directed IRA (SDIRA) Investor

“After 20 years in the stock market, I wanted something more predictable. Trust deeds give me the monthly income I wanted without the volatility.”

Richard H.

Private Investor · 20yr in markets

* Names abbreviated for privacy. Testimonials represent individual experiences and are not guarantees of future results.

Next Step

Ready to Earn 10%+?

Speak with our investor relations team to learn about current opportunities.

Start Investing Browse Deals

NMLS #1964616

Investor Inquiry

Express Your Interest

Our investor relations team will reach out to discuss current opportunities.

Template for review

Investor disclosures

Trust deed investments involve risk and are not guaranteed. Investors should review deal documents, suitability, liquidity, lien position, valuation, and servicing terms before committing capital.

investors@hillcrestlending.com

corporate@hillcrestlending.com

NMLS #1964616 | Licensed by the California Department of Real Estate, DRE #02114219

Loans are subject to credit approval. Terms and conditions apply. This website does not constitute a loan commitment or offer to lend.