Diversify your Investment Portfolio

Have you ever though about becoming a real estate investor but didn't want to deal with the pains and hassles of being a landlord or a weekend handyman? Well, you can. Why not to get involved on the money side? Real estate investors all have something in common, they are always looking for money to finance their deals, and it's your chance to help them achieve their goals while you are achieving nice return on your money.

Many investment advisors today recommend a mix of investments to increase overall investment returns, while lowering risk. Stocks and mutual funds can offer a high return, but also have high risk. Conversely, fixed investments like bonds and CD's have lower returns but much lower risk.

An alternative is Trust Deed Investments, which have higher returns than many other fixed rate investments, and less risk than stocks, since all loans are secured by real estate. These investments are an excellent way to further diversify your portfolio to increase your overall return and further reduce risk

Getting Started

California law permits up to ten investors to participate in a single trust deed. Mercury Capital Group Inc. specializes in loans of $250,000 to $4,000,000, so for a loan with ten investors, the average investment is one tenth of the loan amount, or from $25,000 to $400,000 per investor. Some investors take a larger percentage of the total loan, so we are able to accept investments of as little as $15,000 from some investors in our smaller loans.

To get started, tell us about your investment objectives, and the amount you are interested in investing. As loans come available that meet your criteria, we'll contact you with details so you can decide in which loans you will choose to invest. After you and others commit to invest in a loan, we'll send you the appropriate paperwork and create the trust deed that secures that loan. Mercury Capital Group Inc. also provides for servicing of the loan to assure that interest is paid to you as it is received from the borrower. To get started now, contact us at 877-233-5191 or fill in our Investor Contact Form now

Trust Deed Basics

Let's take a quick look at what the trust deeds are all about, since this is the main security of the investments for the investor. A trust deed, or deed of trust, is a security instrument for real estate loans. The details of the loan are spelled out in a separate promissory note, and the trust deed is recorded at the County Recorder's Office. The Deed of Trust serves a legal notice to the world that the subject property is pledged as collateral to secure a loan. It also provides for a rapid method of foreclosure should a borrower default on a loan.

Mercury Capital Group Inc. operates in a niche of syndicating group investments and placing private money loans into real estate related projects that has to do with purchasing, developing or repositioning all types of real properties, raw land and other real estate. All loans are secured by trust deeds and offered to investors who seek a secured investment that pays much more than the bank rates and much higher than the rate of inflation ensuring that your money actually grows.

The security of the loan is determined by several factors, two of the most important of them are loan-to-value (LTV) ratio, and the position of the trust deed, i.e. 1st or 2nd position of the lien on the property. The lower the LTV, the more cushion investors are provided against a drop in real estate values. For example, the value of a property with a 50% LTV loan would have to drop in half before an investor would lose a single penny of principal if a borrower were to default. Recording the trust deed in a 1st or 2nd position establishes the lien's priority on the property equity in case of foreclosure

Advantages of Trust Deed investments

Trust Deed investments offer an excellent combination of security of investment, high ROI (Return on Investment) and cash flow. In summary, the following benefits come with trust deed investments:

• Pays out interest monthly, providing for excellent cash flow without the hassles of being a landlord
• Interest rates paid are generally higher than bank rates
• Notes are liquid and can be sold or traded
• Investors can borrow against the note, using it as security
• Security of trust deed generally increases with time as the property appreciates, providing an even lower LTV.

Fill in out Investor Contact Form now to let us know your investment interests, or call us at the number below.

IRA Investments in Trust Deeds

Self-Directed IRA

A self-directed IRA is legally no different from any other IRA. It indicates that you the client choose your IRA investments. The rules governing IRA investments types are exclusive--not inclusive. Therefore, you can invest your IRA funds in a virtually unlimited set of investments, except for those specifically excluded by law. The only assets excluded by the IRS are life insurance contracts, collectibles, and capital stock in an "S" Corporation. You can verify that it's legal to invest your IRA in trust deeds by going to www.IRS.gov and searching for Publication 590. Pages 40-41 defines what cannot be held in an IRA.

Is this New?

No. You've been able to buy real estate and trust deeds within your IRA since IRA's were created over 30 years ago. Many financial professionals are unfamiliar with this, and continue to recommend bond and mutual funds for IRA investments. Also, some institutions limit investment choices to funds and products for which they'll earn a commission.

Getting Started

First, verify that your current IRA custodian permits you to purchase trust deeds. If not, contact us for information on custodians that will allow you to place your IRA funds in any legal investment. In additional to IRA or SEP IRA funds, you can also transfer existing pension plans (e.g. 401k, 403b, ESOP or 457 plan) to a custodian.

Once your funds are transferred, notify us of how much you'd like to invest in trust deeds, and hold the funds at your custodian in a short-term investment that can be easily liquidated. When we have a trust deed available that meets your investment objectives, we'll send you information on the investment so that you can decide whether it's right for you. If it is, we'll send you the appropriate documents for signature, and give you instructions to give your IRA custodian on how to transfer funds to the title company holding the escrow for your deed of trust.

To get started now, contact us at 877-233-5191 or fill in our Investor Contact Form now