Private lending program

How a real-estate-backed loan could work for you

Discover how to generate consistent, predictable income through private real estate lending — while helping families achieve homeownership.

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In this example

12%Fixed annual return

60Month term

$25–50KTypical loan size

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A closer look at the program

This guide walks through how our private lending program works, so you can see how lenders receive returns of 12%, secured by real estate. We've laid it out step by step — from your initial investment through your ongoing returns.

Every investment carries risk. Real estate loans described here are not guaranteed or insured by any government agency, and past performance cannot guarantee future results.

We are not a law or tax firm. This guide is for general informational purposes only. Please consult with appropriate professionals regarding your specific legal, tax, and financial situation before participating in any lending program.

The team

About us: your partner in real estate lending

LC Partners is run by two people who spend their time in acquisitions, underwriting, and deal flow — not a call center. Here's who you'd be working with.

Leslie Graves

Acquisitions & Partnerships

Owns 18 acres with 3 tiny homes in Tennessee. Experience with raw land improvement, infrastructure coordination, and renovating and reselling manufactured housing.

Member of:

Subto
Gator
Wrap Academy

Cindy Timmermann

Underwriting & Operations

25+ years in nonprofit operations. Managed a floor-to-ceiling remodel of an acquired foreclosure; transaction coordinator and transactional lender supporting deal flow.

Member of:

Subto
Top Tier TC
Wrap Academy

The strategy

A strategic lending approach

Property acquisition

First, we secure very low loan-to-value properties at discount prices, creating an immediate equity cushion that protects your investment.

Creative financing

Then, homes are sold as-is through lease-options or contracts-for-deed to buyers who don't qualify for traditional mortgages.

Fixed returns

In the proper set-up, you receive 12% returns over a 60-month term, backed by real property with significant equity protection.

This model creates immediate profitability while maintaining a substantial equity buffer against market fluctuations. Your investment is secured by a tangible asset with real value, and your returns are documented through legally-binding promissory notes and recorded liens.

An example

A 5-year projection for a $30,000 loan

In this example, a standard $30,000 loan at 12% fixed interest over 60 months returns approximately $10,040 in total interest payments, in addition to the principal. Monthly payments are structured to provide consistent, predictable income throughout the term.

Year 1

Interest $3,349.29

Principal $4,658.71

Year 2

Interest $2,758.45

Principal $5,249.55

Year 3

Interest $2,092.68

Principal $5,915.32

Year 4

Interest $1,342.47

Principal $6,665.53

Year 5

Interest $497.11

Principal $7,510.89

$0$3,000$6,000$9,000

Interest earned Principal

By the end of the term, in this example, the investor will have received $40,040 in total returns — $30,000 principal plus $10,040 interest. The slight variation in Year 5 is due to calculation rounding; your personalized amortization schedule will show the exact monthly breakdown over the full 60-month term.

How it works

The 5-step lending process we often see

Below is a sample workflow to illustrate the documentation and due-diligence steps that typically occur in a secured private loan.

Property acquisition

We identify and negotiate discounted purchases on promising properties. Each undergoes thorough due diligence including title search, property inspection, and professional valuation.

Loan presentation

Qualified lenders receive a New Loan Opportunity Announcement detailing the specific property, loan terms, equity position, and expected returns schedule.

Lender commitment

Once you decide to proceed, a licensed title company prepares all necessary documentation and coordinates the closing process. You formally commit to providing the funds.

Secure funding

You wire funds directly to the escrow account at the title company — never to us personally. Your interest begins accruing immediately upon funding.

Professional closing

The title company ensures all documents are properly executed and recorded. You receive copies of your promissory note, deed of trust/mortgage, title insurance, and property insurance documentation.

Why lenders choose this

Key benefits for private lenders

High returns

Earn consistent double-digit interest on your capital, significantly outperforming traditional fixed-income investments like CDs or bonds in today's market.

Predictable income

In the example provided, your detailed interest schedule shows exactly how much you'll earn at any point during the 60-month term, allowing for precise financial planning.

Real estate security

Unlike paper assets, your loan is secured by tangible property with substantial equity. You can literally drive by and see your investment.

Manageable investment size

With typical loans ranging from $25,000–$50,000, you can limit exposure to any single property while still earning attractive returns.

Together, these combine to create a secure, transparent, and profitable investment opportunity that stands apart from traditional investment vehicles.

Your protection

Your four-layer protection system

A program structured this way carries multiple safeguards. Every loan is backed by these four essential layers of protection:

Promissory note

A legally-binding document that specifies the exact terms of repayment, including your fixed return and term length, as in the example provided.

Deed of trust / mortgage

Secures your position as a lienholder against the property, giving you legal recourse in case of default.

Title insurance

Protects against unknown title defects, claims, or encumbrances that could threaten your security position.

Hazard insurance

Provides coverage against property damage from fire, natural disasters, and other covered perils.

All transactions are handled through licensed title companies or attorneys, ensuring proper execution and recording of every document. No funds are released until every protection is securely in place.

Questions

Frequently asked questions

The following relate to the sample structure shown above. Real-world transactions vary depending on property type, borrower profile, and legal framework.

How long is the loan term, and how much do I need to commit?

Each loan has a fixed 60-month (5-year) term. Typical loan amounts range between $25,000–$50,000, allowing you to diversify across multiple properties if desired.

Why are you willing to pay such high returns?

Traditional financing often involves lengthy approval processes and restrictive terms. Working with private lenders gives us speed, flexibility, and certainty of capital — advantages worth the premium. Because we purchase properties at significant discounts, we can share those profits with our lenders through higher fixed returns.

Can I lend from my IRA or 401(k)?

Yes. Many lenders use self-directed IRAs to participate in our program, earning these returns within a tax-advantaged account. We can recommend custodians who specialize in facilitating real-estate-secured loans within retirement accounts.

Is private lending safe?

While no investment is without risk, we structure these loans with significant equity cushions to protect against market fluctuations. Returns are fixed and secured by real property with substantial equity. As with any investment, perform thorough due diligence before participating.

Straight answers

Common concerns, addressed

"What if the property sits vacant with no tenant paying the mortgage?"

Your returns are completely independent of property occupancy. The terms of your loan are fixed and guaranteed regardless of whether the property is occupied or vacant — our business model is structured to meet our obligations to you under any circumstances.

"What happens if the homebuyer sells or refinances early?"

You still receive your full contracted return. If a loan is satisfied before the 60-month term, we ensure you receive the entire expected interest amount upfront at payoff, protecting your anticipated returns regardless of early payoff scenarios.

"Why do you structure the program this way?"

Our business is built on long-term relationships and trust. When lenders expect a certain return and receive it as promised — or even sooner than expected — they're more likely to participate in future opportunities. Honoring our commitments fully is how we maintain a reliable network of satisfied lending partners.

Next steps

Ready to begin? Here's how to get started

Initial consultation

Contact us to discuss your investment goals, available funds, and any specific preferences regarding property types or locations. We'll explain the program in detail and answer all your questions.

Property matching

We identify and present properties that align with your loan size and preferences. Each opportunity includes comprehensive information about the property, terms, and expected returns.

Secure fund transfer

Once you select an opportunity, you'll wire funds directly to the secure escrow account at a licensed title company or attorney's office — never to us personally.

Professional closing

The entire closing process is handled by licensed professionals, ensuring all documents are properly executed, recorded, and delivered to you for your records.

Begin receiving returns

Your interest begins accruing immediately upon funding, and you'll start receiving your fixed returns according to the payment schedule outlined in your promissory note.

Thank you

Thank you for your consideration.

Together, we can create strong returns while helping families achieve homeownership.

Consistent

Fixed 12% returns provide steady, predictable income you can count on month after month, in certain programs.

Secure

Multiple layers of protection ensure your investment is properly secured and documented.

Tangible

Your investment is backed by real property with significant equity you can see and touch.

Get in touch

Contact information

We're ready to answer your questions and help you determine if our private lending program is right for your investment goals. Please don't hesitate to reach out using any of the methods below.

cindy@investwithlcpartners.com

Request a consultation

"We're committed to creating transparent, mutually beneficial partnerships that provide consistent returns while helping families achieve their homeownership dreams."