Lend directly to real estate investors on 1st-lien trust deeds — 8–14% yield secured by real property at 60–70% LTV.
Private mortgage / trust deed lending: you lend $50K–$500K to a real estate investor (flipper, BRRRR operator, small landlord) secured by a first-lien mortgage on their property at 60–70% LTV. Terms: 6–24 months, 8–14% interest, 1–3 points upfront. Foreclosure is your remedy if they default — with 30–40% equity cushion, you're protected. Broker introductions or funnels (Groundfloor, PeerStreet, direct via mortgage brokers). Self-directed IRA compatible. Requires state licensing in some states.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy B2B invoices at 90–95% face — collect full value 30–90 days later. Effective yield 25–60% annualized.
Fund small businesses at 1.15–1.35× via receivables purchase — 30–90 day payback, 25–50% IRR (ethical caps).
Provide the down-payment + rehab gap to fix-and-flip investors — 12–18% + 2–4 points on 4–6 month bridge.
Invest as LP in interval funds and BDCs — 9–12% yield on institutional private-credit portfolios.
Buy whole-loan portfolios directly from P2P platforms — 6–12% net yield with algorithmic underwriting.
Buy in-force life insurance policies from seniors — pay premiums, collect death benefit. 8–12% IRR uncorrelated.