Investors

What is a private lender?

Private lenders are non-traditional lending companies that use their money and investor funds to close Real Estate Loans quickly for a high yield.

Why should I invest with a private lender?

JCAP Private Lending offers a valuable investment opportunity to accredited investors in Southern California. It is a source of steady income (paid monthly) that is more reliable than investing in stocks or bonds. Yields are high and are secured by Deeds of Trust on every property.

Why should I trust a private lender?

JCAP Private Lending has a firm grasp on the current real estate market. Our team has been doing Real Estate loans in Southern California for over 30 years.  We analyze each investment with yield and safety in mind.

Is JCAP different than other Private and Hard Money Lenders?

JCAP invests in most of the deals that we fund.  We underwrite like an investor, not a lender or fund manager.  JCAP Private Lending takes extra precautions with the investor in mind.  

How am I protected as an investor?

We are here to serve you.  Our systems are built around Investor Yield and Safety.  In addition, JCAP Private Lending has 4 points of Protection: 1.  You decide which loan is the best investment for you.  2.  Funds are wired directly to the Title Company.  3.  You are a named Beneficiary on the Recorded Deed of Trust.  4.  A third party, fully bonded, service company is used to handle all payments and disbursement of funds.

How difficult is it to invest with JCAP?

Accredited investors participate with ease.  JCAP Private Lending has a paperless, automated system.  Investors get full access to the loan file for easy decisions.  When the borrowers their monthly payments, money is electronically deposited into your account.

How is the reporting?

You receive 24/7 secure access to your portfolio.  You can easily track payments, yields…really anything you’d like to know about your loans.

What real estate locations does JCAP cover?

We cover all of Southern California, typically along the coast. Whether the property is in Orange County, San Diego, or Los Angeles, we take care of the loan.

What kind of loans do you offer?

JCAP offers the following loans:
  • Private money loans
  • Hard money loans
  • Bridge loans
  • Short-term real estate loans
  • Refinance loans
  • Rental property loans
  • Construction loans
  • Mid-construction loans
  • Luxury home loans
  • Owner occupied loans
  • Probate loans
  • Foreclosure loans
  • Asset-based loans
  • Rehab loans
  • Business-purpose loans
  • 2nd TD
  • Home equity line of credit

How much do private lenders loan out at a time?

This varies a lot.  JCAP Private Lending loans range from $100,000 to $5.0 million.

What are your interest rates?

At JCAP Private Lending, our interest rates are competitive with other lenders in the Southern California area. They range from 9.95% – 12.875% depending on the loan scenario.

What is the length of your loans?

Our average loan term is 12 months.

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