Leading Mortgage Investment and Hard Money Loan Company in America with Decades of Experience
Private Mortgage Investing for Accredited Investors
Invest in Trust Deeds and Hard Money Loans
Earn 10%+ monthly returns by investing in short-term, private mortgages secured by commercial and investment real estate.
- First Lien Mortgages
- Conservative LTV Under 65%
- Average 1-3 Year Investment Hold
Accredited investors only, IRA-friendly if applicable, licensing information available on request
Get Approved in 6 Steps, From Application to First Lien Income
How Private Mortgage Investing Works at NMIIC (The 6 Steps)
Build passive income with first lien mortgage investing, conservative LTVs, and short-term, asset-backed real estate loans from a private mortgage lender. Designed for real estate investors seeking high-yield returns.
Avoid traditional banks. We source borrower requests and evaluate collateral, LTV, exit strategy, market comps, credit history, income verification, property value, and sponsor strength on the subject property to qualify for first lien, asset-backed loans. Private mortgage real estate investing often features more flexible requirements regarding minimum credit scores and credit scores compared to traditional lenders, making these options accessible to a broader range of investors.
Browse pre-underwritten trust deed investments, view rates, terms, LTVs, property types, locations, and loan amounts, including fix-and-flip loans, construction loans, and commercial bridge loans across residential investment properties and commercial real estate. Investors can choose from a variety of loan solutions and specialized loan programs tailored to different real estate needs. When reviewing details such as rate, term, and LTV, it is vital to understand the loan term, as it impacts investment planning, repayment strategies, and expected returns.
Complete your investor documents, fund through licensed escrow with a direct lender, and lock your position in a first lien, private mortgage note with flexible terms.
Your Deed of Trust and Promissory Note are recorded, creating first lien security on the underlying property with professional loan servicing.
Enjoy predictable passive income, monthly interest payments per specific loan terms on a short-term loan, with reporting and servicing handled for you.
At borrower payoff, refinance, or sale, your principal is returned in full. If a default occurs, first lien rights and a defined foreclosure process protect investors, and many loans exit into DSCR loans when debt service coverage ratio requirements are met.
561-931-6500
Call for help
Ready to get approved to invest?
Accredited investors only. Begin your due diligence by requesting the Investor Kit and exploring current trust deed and investment opportunities.
One powerful strategy to take your diversification to the next level
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100% Collateralized Investments Mean Your Principal is Protected
Every loan is secured by real estate as collateral. Your capital funds a mortgage, also known as a trust deed, to the borrower. The Deed of Trust and Promissory Note are recorded, perfecting your first lien position and protecting principal. Investors typically earn monthly interest distributions while the borrower stabilizes or refinances with a traditional lender.
THE BENEFITS OF INVESTING IN TRUST DEEDS
Trust Deed Investing: Is It Right For You
Top 6 reasons to invest in first lien trust deeds
Top 6 reasons trust deed investing may not be a fit
Our Proven Process
Start
Why NMIIC? Stronger Portfolios Start Here.
Add a steady income stream with conservative real estate notes with NMIIC as your trusted partner, with typical LTV near 55 percent, short durations, transparent diligence, and an investor-friendly selection process. Benefit from a wide range of loan solutions and specialized programs tailored to meet the needs of real estate investors, including private loans, bridge loans, and fix-and-flip financing. We work with top real estate projects across South Florida and offer financial success to property investors nationwide.
Targeted 10%+ Returns
Principal Protection
Monthly Income
Proven Track Record
Deal by Deal Control
Secured by Real Estate
Capture competitive, risk-adjusted yields from short-term, private mortgage notes backed by first-lien collateral, with interest paid monthly when loans are current. NMIIC offers competitive interest rates on money loans and private money loans.
A recorded Deed of Trust secures your investment in the first lien position, and conservative LTVs help protect principal through changing market conditions, with the added advantage of working with private lenders for flexible and tailored financing.
Enjoy predictable passive income with interest distributions processed by professional loan servicing according to specific loan terms.
Invest with a team that underwrites conservatively, documents transparently, and showcases funded deals and repayments to demonstrate execution. Many private lenders in Florida have funded a significant volume of loan offers and private loans, highlighting the strength and reliability of the market. We love Florida real estate investors as well as foreign nationals.
Choose each trust deed investment individually, align rate, term, LTV, and property type to your objectives, and diversify across multiple notes on your terms. Investors can select from a range of loan solutions and loan programs tailored to different property types and investment strategies.
Every loan is asset-backed by real property, land, development, or completed structures, creating tangible collateral that can be recovered if a borrower defaults.
What’s The Next Step?
Ready to expand beyond stocks, bonds, and mutual funds? Add private mortgage investing to your portfolio and build predictable passive income with first-lien trust deed investments. At NMIIC, we educate accredited investors, underwrite conservatively, and secure every loan with real property collateral. Typical LTV around 55 percent, max 65 percent, so your capital is protected by asset-backed, short-term real estate notes, in all market conditions. We speak with potential investors daily about real estate transactions and offer tailored solutions to invest in the booming real estate market in 2025 and beyond. Have questions?
Schedule a Free Consultation with an NMIIC advisor today
Open an Account
Open your investor account in minutes, verify accreditation, and start reviewing pre-underwritten trust deed opportunities. Track monthly interest distributions and principal payoffs in real time, all with professional servicing and transparent reporting.
Talk It Out
Prefer a quick call? Our team will walk you through first lien security, conservative LTVs, and how private money lending works, then help you choose the right trust deed investments for your goals.
Call: 561-931-6500
Find more about us
Frequently Asked Questions
No, HOA and condo association loans are typically non-recourse to board members and unit owners. The obligation is secured by a pledge and assignment of future assessments, special assessments, or dues, not by personal guarantees. Lenders underwrite the association’s financials, reserve study, delinquency rate, engineering reports, and legal authority to assess. A well-structured assessment plan aligns project draws and repayment, protecting homeowners while funding capital improvements through an association loan.
Yes, many cannabis dispensary loans are closed on leased locations. The private money lender will require landlord consent, a subordination and non-disturbance agreement when applicable, and a collateral assignment of the lease. Underwriting focuses on license status, cash flow, location quality, compliance history, and loan-to-value on real estate or equipment. Strong leases, transparent POS revenue, and clean compliance audits improve pricing and speed for cannabis business financing.
A foreclosure bailout loan can stop the sale once title, escrow, and payoff or reinstatement funds are delivered and verified. Your lender coordinates a demand or reinstatement letter, wires funds to cure arrears, and records a new first lien Deed of Trust. Timing matters; start early so the trustee can cancel or postpone the auction. Provide mortgage statements, hardship letter, insurance, valuation, and income evidence to accelerate approval for a foreclosure bailout.
Valuation standards vary. Many hard money loans close using a certified appraisal, while others accept broker price opinions, desktop valuations, or internal reviews, depending on leverage, property type, and timeline. Conservative LTV limits, a clear exit strategy, a clean title, and substantial collateral can support alternative valuations. Ask our private lending team which valuation method is acceptable for your bridge loan, fix and flip financing, or construction draw schedule.
Prepayment shortens the interest period and reduces your expected yield on the mortgage note investment. Most trust deed investments allow prepayment at any time; some include minimum interest periods or prepayment fees that partially offset reinvestment risk. When a borrower refinances or sells, your principal is returned through escrow, and servicing closes the note. Many investors maintain a pipeline of new trust deed opportunities to quickly redeploy capital.
Yes. State-specific foreclosure rules influence trust deed investing. Non-judicial states use a trustee sale process that can resolve defaults more quickly than judicial foreclosure states, where court action is required. Timelines, right of redemption, and deficiency rules vary. Experienced sponsors structure first lien trust deeds with conservative LTV and state appropriate remedies, then rely on licensed servicers and counsel to manage notices, cure periods, and foreclosure steps if needed.