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    • Borrowers
      • Options & Solutions
      • 1-4, 5+ Fam, Mixed Use
      • Commercial property
      • Mailing list
    • Private lenders
      • Private lender network
      • Loans available
      • Due diligence and risk
      • Mailing list
    • Contact

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    • Options & Solutions
    • 1-4, 5+ Fam, Mixed Use
    • Commercial property
    • Mailing list
  • Private lenders
    • Private lender network
    • Loans available
    • Due diligence and risk
    • Mailing list
  • Contact

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Private mortgage lending

We originate mortgage loans for investment properties,  funded by LX Financial, private lenders, and commercial lenders.


Private lending is one of the best risk-adjusted return, high-yield investment types: Real estate secured, 10.00%+ yield. It's also passive, and short term.


As a multi-source lender, we pride ourselves on being a valuable advisor to our borrowers. Unlike direct lenders who offer a single loan program, we deliver a diverse range of options and tailored solutions. This unique approach empowers us to meet the specific needs of our clients, setting us apart in the financing landscape.


For private lenders we originate loans mostly for residential, multi-family, and small commercial properties. Loan amounts start at $50,000. Common lending terms are:


  • 65% loan to value or less
  • 9-15% interest rates
  • 12-24 month terms
  • Monthly interest only payments
  • 1-4 family properties



Due diligence and risk

We're not a fund. Each loan stands on its own. Lenders make their own investment decisions based on the same information we have. Please ask if you need more information - and do your own due diligence. LX Financial is not responsible for loan performance. We only present mortgage investments we are willing to make ourselves. In fact, in many cases we will co-invest. More about risk.


Partial investments 

Partial or fractional investments can typically be made using standard first mortgage security, with the note recorded in the investor's name. This approach is ideal for allocating otherwise idle funds and enhancing diversification in your investment portfolio.


Loan funding and servicing

Loan funds are wired directly from the lender to the closing, and repayments are wired back at the time of repayment. Aside from payment processing, we generally do not manage private lender funds. We offer loan servicing at no cost, allowing monthly payments to be directly deposited into the lender's bank account.


Investment summaries

I invite you to become part of our private lender network by subscribing to the the mailing list. You will receive investment summaries like these from time to time.


Feel free to contact me directly: 917-209-1111 (mobile). 



Welcome!

Paul


Paul Luykx, CEO

LX Financial LLC

paul@lxfinancial.com

Schedule a call 


LX Financial LLC  |  Harborside Financial Plaza 5  |  185 Hudson Street, Suite 2500. Jersey City NJ 07311  |  Phone: 917-209-1111 | paul@lxfinancial.com

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