Pacific Sun Capital works with a diverse network of private investors including Individual Investors, IRA’s, Trusts, Pension Plans, LLC’s, Corporations, etc. The PacSun Capital private lender network is setup to fund 1st Position Trust Deeds, also known as mortgage loans, and as an investor you become a “private lender” and gain access to high quality mortgage loan investments through PacSun. The invested monies are secured by loans on residential & commercial investment real estate properties in the contiguous United States, as well as Hawaii. Lenders are placed directly on the note & deed of trust which can be fractionalized among several lenders or wholly funded by one lender. This is a passive investment opportunity for the Lender; Evergreen Servicing, LLC is the Servicer and manages all loan servicing functions including payment processing, property insurance & tax management, construction control, payoffs, defaults and other servicing matters. The short terms loans are typically 12-18 months with interest only payments due monthly. Interest payments are distributed monthly to lenders.
The loans must meet strict underwriting and due diligence requirements administered by Pacific Sun Capital. All loans funded through our private lender network are individually processed and fully underwritten before funded. PacSun Capital endeavors to only fund loans that will perform to the high standards the company has established in order to maximize the stability of the cash flow and rate of return for the private lenders in our network. Lenders will pay no buying/selling commissions or fees to lend money through the PacSun private lender network. All commissions and fees associated with the origination and servicing of the loans are paid by the Borrower. Lenders should consider their investment in a mortgage loan as illiquid for a minimum of the term of each loan they fund (typically 12-18 months).
The Servicer’s income is derived from upfront fees, loan servicing fees paid by the Borrower such as, servicing fees, late payment fees, escalated interest fees and others. For example, a loan may be originated at 12% to the Borrower and 10% is passed on to the Lender with a 2% servicing fee paid to Pacific Sun Capital Group. Lenders can achieve 8-10% returns through the Pacific Sun Capital private lender network and the income is characterized as interest income to the lenders for taxation purposes.
For more information call 1-800-591-PSCG (7724), or we suggest you fill out our Investor Questionnaire by clicking here.
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