Private lending
We originate mortgage loans for investment properties only. They are funded by LX Financial, private lenders, and commercial lenders.
Private mortgage lending is one of the best risk-adjusted return, high-yield investment types: Real estate secured, and 10%+ yield. It's also passive, and usually short term (6-18 months).
As a multi-source lender and broker, we are a reliable capital provider. Unlike direct lenders with a single loan program, we can deliver options and tailored solutions to our borrowers. This unique approach sets us apart in the financing landscape. It is also a premium service that in turn allows our private lenders to book loans at above-market note rates.
For our private lender clients we originate loans mostly for 1-4 family, multi-family, and small commercial properties. Loan amounts start at $50,000. Common lending terms are:
- 70% loan to value or less
- 9-15%+ interest rates
- 12-24 month terms
- Monthly interest only payments
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
Fractional (partial) investments can often be made with standard first mortgage security in place. This approach is ideal for allocating otherwise idle funds, and diversification in your investment portfolio.
Loan funding and servicing
Loan funds are wired directly from the lender to the loan close, and wired back to the lender upon repayment. We offer loan servicing at no cost. Monthly payments are deposited directly 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
