Private lending is when an individual provides a loan to a real estate buyer or investor and earns interest in return.
Your loan is secured by the property itself, as with a bank’s mortgage.

Most lenders begin with $20,000–$40,000, with $30,000 being typical.

Because these properties are in affordable Midwestern markets, one private lender funds an entire loan — no pooling or fractional investing.

Our standard lender return is 12% interest, paid monthly and amortized over five years.

Your loan is secured by a promissory note and a deed of trust/mortgage recorded against the property.
You hold the same legal protections a bank would have.

We focus on stable, affordable Midwestern markets, where property values make smaller loan amounts practical and performance historically strong.

No.
Each loan has one lender only — you.
Your funds are not combined with others.

The borrower on your loan is TMC Investors, LLC.

We use this structure to simplify the lending process and protect the lender. While the families in the homes couldn’t qualify for traditional loans, your loan is secured by the property itself and fully guaranteed by TMC Investors. Your repayment comes from us, not from the occupant.

You receive monthly payments of principal and interest directly, according to the amortization schedule.

We protect lender funds through conservative loan-to-value ratios, careful property evaluations, and clear legal documentation. Every loan is secured by real estate, and safety of principal is always our first priority.

If the occupant in the home ever stops paying us, your loan is still protected.
Your agreement is with TMC Investors, and we are fully responsible for your payments.
Your loan is secured by the property itself, so you remain protected regardless of what happens between the occupant and us.

The typical loan term is 5 years, fully amortized.
You receive monthly payments throughout the term.

Yes.
Many lenders use payments from one loan to help fund a new loan.
Reinvestment is optional — you’re never obligated.

All investing carries risk, but private lending is generally considered lower-risk because your loan is secured by real estate and backed by conservative lending standards.

Not at all.
Many lenders are simply people with savings who want better returns without learning the stock market or managing rental property.

Borrowers often use private lenders because they need a faster, more flexible process than traditional banks provide. They can afford the payments but may not meet strict bank requirements.

No. Hard-money loans are short-term and high-fee and rate. Our loans are longer-term, lower-rate, and focused on stable, owner-occupied homes.

We review:

Simply schedule a call.

After booking, you’ll receive our Private Lender’s Guide, which explains everything in plain language.