Review the property
Receive the address, transaction summary, proposed documents, and property-specific details.
Private real estate lending
A clearer way to
lend against real estate.
A straightforward $30,000 lending structure secured by a recorded first-position lien on a specific residential property.
- Loan amount
- $30,000
- Fixed annual rate
- 12.00%
- Term
- 60 months
- Scheduled payment
- $667.33
Built for clarity
A lender should know exactly where the money goes.
Each transaction is tied to one identified property. The note, recorded lien, closing documents, and insurance information are reviewed at the property level—before funds move.
Approve the terms
Review the $30,000 note, 12% fixed annual rate, 60-month amortization, and scheduled payment.
Fund through closing
Funds are wired to the title or attorney office—not handed directly to an individual.
Receive the recorded package
The closing team completes the transaction and records the property-specific lien documents.
The structure
Simple enough to explain in one sentence.
One private lender makes one loan to the borrower, documented by one promissory note and secured by a first-position lien on one property.
- 01Property-specific promissory note
- 02Recorded first-position mortgage or deed of trust
- 03Title or attorney closing
- 04Hazard insurance documentation
Freedom Calculator
See the note, the cash flow, and the portfolio—not an inflated “return.”
This projection separates interest earned from principal returned, then shows what happens when available cash is redeployed into additional $30,000 notes.
Projected portfolio value$0Cash plus outstanding note principal
Projected portfolio value
10-year projection| Year | Active notes | Interest earned | Cash available | Portfolio value |
|---|
Illustrative projection only. Assumes every scheduled payment is received on time and excludes defaults, legal costs, taxes, servicing costs, vacancies, insurance costs, and deployment delays. It is not a promise or guarantee of performance.
Operating experience
Built by operators—not by a spreadsheet.
Y Rent acquires affordable residential properties and creates long-term homeownership paths for buyers who may not fit traditional bank underwriting.
Properties purchased and sold
Experience across acquisitions, rentals, seller financing, buyer placement, servicing coordination, and property-level problem solving.
Affordable residential focus
Properties are selected in markets where the acquisition basis supports practical monthly payments and long-term demand.
Aligned operating model
The business earns through successful property execution and long-term payment performance—not from pooling lender capital.
Property-by-property review
Lenders evaluate a specific transaction and make an independent decision based on the final documents and their own advisors.
Straight answers
Questions serious lenders ask.
Where does my money go?
Funding is sent to the title or attorney office handling the identified property transaction. The final closing instructions and documents control each transaction.
What secures the loan?
A recorded first-position mortgage or deed of trust on the specific property presented for that loan, subject to the final title and closing documents.
Is the 12% a guaranteed return?
No. It is the fixed annual interest rate stated in the standard note. Private lending involves risk, including late payment, default, enforcement expense, and potential loss.
Can I review the documents before funding?
Yes. The transaction is presented for review before funding, and lenders should review the property, title information, note, security instrument, insurance documentation, and closing package with their own advisors.
Can I fund more than one note?
Yes, when separate eligible properties are available. Each $30,000 loan remains its own transaction with its own property-specific note and lien documents.
Start with a conversation
Review the process before you review a property.
We’ll walk through the lending structure, answer questions, and explain what you receive before any transaction is presented.