Welcome!
Craft Midpoint is your bite‑sized source of insight between our monthly project updates — delivered straight to your inbox. Think of it as your mid-month check-in, where we share a quick tip, story, or lesson from the building and lending world. It’s all about keeping you connected, informed, and a step ahead — without the fluff!
What is Private Lending, Really?
Private Lending is investing in loans secured by real property—offering stability, security, and the potential for healthy returns.
And it is often misunderstood—even though it’s one of the most powerful tools for building passive income and protecting capital.
At its core, private lending is simple: it’s a loan made by an individual (you) to a real estate investor (like us), secured by a physical property. You’re not investing in stocks or rolling the dice on a fund. You’re lending with terms, structure, and collateral—just like a bank.
“Private lending gives you the opportunity to become the bank—earning reliable returns, backed by real estate.”
⚙️ How the Process Works
While we can’t speak for everyone out there, here’s what it looks like when you lend with us:
1. We Identify the Property
A home passes our internal review process and is placed under contract.
2. You Receive the Investment Packet
We send you a detailed overview of the project—location, comps, timelines, and returns.
3. Documents Are Executed
Once you commit, three documents are signed and delivered to secure your investment.
- Promissory Note
- Deed of Trust
- Hazard Insurance Policy
4. You Fund the Purchase
Your funds are used toward the acquisition of the property.
5. Build and Manage the Project
Our team oversees the construction and sale from start to finish.
6. You Receive Your Return
When the home sells, you’re paid in one lump sum: your original principal plus your 10% annualized interest.
🔐 How is Your Investment Is Protected?
We take lender protection seriously. Every deal is secured by our three-point legal and insurance framework designed to protect your capital:
1. Promissory Note
A legal contract that outlines all loan terms—interest rate, repayment timeline, and responsibilities of both parties.
2. Deed of Trust & Mortgage
A document recorded with the county recorder’s office that publicly secures your investment against the specific property.
3. Hazard Insurance Policy
You’re listed as Loss Payee on the policy—meaning if there’s a fire or major disaster, your capital is protected.
Let’s Talk Lending!
If you’ve been looking for a smarter, more stable way to put your capital to work, private lending with us may be a great fit. We’re always open to walk through real examples and answer your questions—no pressure, just clarity. And if you’d like to take the first step in evaluating opportunities, check out our Private Lender Due Diligence Checklist—a quick, practical tool to help you assess deals with confidence.