Trust Deed Investment Calculator for Private Money Investors
Free Calculator · Private Money Investors
See what funding a private real estate loan could pay you: monthly income, net yield after servicing fees, and total interest over the term, for interest-only or fully amortized notes secured by a California deed of trust.
How this calculator works
Interest-only income = note amount × note rate ÷ 12.
Amortized income = the standard monthly payment for the note amount, rate and term, which includes principal.
Servicing fee = note amount × annual fee % ÷ 12, if your servicer charges one.
Net yield = note rate − servicing fee %.
Total net interest = interest received over the term − servicing fees.
Trust deed investing questions
What is a trust deed investment?
You fund all or part of a loan to a real estate borrower, and the loan is secured by a deed of trust recorded against the property. You earn the interest the borrower pays, and the property serves as collateral if the borrower defaults.
How much does a $250,000 trust deed pay per month?
At a 10% interest-only rate with no servicing fee, $250,000 pays about $2,083 per month, or $25,000 over a 12-month term, with the principal returned at maturity. Actual rates depend on each loan.
What are the risks?
Trust deed investing involves risk, including possible loss of principal. Returns are not guaranteed and depend on the borrower's performance, the property's value, and the loan-to-value at funding. Review each loan's disclosures before investing.
Who collects the payments?
V Nation services the loans in-house. Investors get an online portfolio with loan-level detail, disbursements split by ownership percentage on multi-lender notes, remittance reports, and year-end tax documents.
Interested in trust deed investing?
Join the V Nation Investor Pool to see opportunities as they come up.
This page is for education and is not an offer to sell or a solicitation to buy any security. Opportunities are offered only through written disclosures as required by California law.
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