Build a Diversified Loan Portfolio by Investing with Hanson Capital

Investing with Hard Money Lenders

Investing in loans secured by commercial real estate is a great addition to a diverse investment strategy. Once you are signed up with Hanson Capital as a qualified investor, you can expect to make 7-12% return on your investment. You will have access to loans available on our platform with opportunities to invest as little as $20,000 per deal. Our team of seasoned real estate experts handle all the underwriting and operational aspects of each loan. A summary of the property including most recent comparable market sales and details about the borrower will be provided so you can make an informed decision. Once you have indicated a positive interest and the amount you would like to invest, we will send a complete loan package with lender commitment, title report, and loan disclosures to be reviewed and completed. Once executed loan documents are received back from the title company, you can send loan proceeds directly to the title company specific to the wire instructions. You will enjoy monthly interest payments for the term of the investment, as well as quarterly statements to review your entire loan portfolio. As an investor with Hanson Capital, you will receive our world class customer service and professionalism with every deal. Contact us today to review our on-boarding investor package and begin investing in private hard money loans with Hanson Capital.

Our Commitments

We hold ourselves accountable to our investors with the realization that they rely on our availability and expertise to safeguard their assets.

We insure our investors receive only the best opportunities, always placing their interests first in all transactions.

We regularly report all investment activities through quarterly prepared account statements.

Our investors enjoy double-digit yields on investments, with returns ranging from 7-12% on each opportunity

Basics of Investing

1) Experienced lender

Hanson Capital is a licensed mortgage bank with extensive experience in private money lending and the real estate industry. Since 2008, Hanson Capital has funded over $250 million dollars in real estate transactions with proven success and repeat customers.

2) Finding the right properties with equity.

It is important to know how much equity the borrower has to increase the safety of your investment. By using the market value along with the most recent market sales comparables, we ensure that each deal will have equity should the property need to be resold. Hazard insurance, paid before closing, along with full title insurance will also provide the investor security in the loan.

3) Borrower’s financial standing and creditworthiness.

Hard money loans are typically made to borrowers with less credit and income documentation. The higher interest rate relative to conventional residential loans recognizes this. Even so, we do obtain information on the borrower’s ability to pay back the loan by looking at past real estate experience or business plans so you can make a more informed decision.

4) Escrow process involving the funding of the loan or the purchase of the note.

All of our loans require licensed escrow companies that will handle the documents and funds between buyers and sellers, borrowers and lenders. They are required to be a fiduciary for all parties. As an additional layer of safety, we instruct our investors to send their loan wires to the title company, which in turn will pay the seller, previous lender being paid off or the borrower, as specified. Title companies have a much higher threshold of regulation by the Insurance Department and errors and omissions and liability insurance requirements.

5) Documents and instruments describing, evidencing, and securing the loan.

You will be presented with disclosure and servicing documents that you will complete and sign before your investment. Your investment will be evidenced by the Promissory Notes, Deed of Trust and other Riders as one of the beneficiaries (in the case of multiple lender loans) of the loan.

6) Loan servicing and compensation.

Our knowledgeable loan servicing team will be responsible for collecting borrower payments and transmitting monthly payments to the investor. The servicing team will be the main point of contact when it comes to updating real estate portfolio, tax questions, or quarterly income statements.

7) Recovering your investment if the borrower fails to pay. As the lender on a loan, there is a risk of the loss of principal and unpaid interest payments should the loan go into foreclosure. Our loan servicing team is experienced in managing the past due collections, default process, and ultimately foreclosure of the property should you choose to use them. While there is an out of pocket expense with the foreclosure process, the expense is potentially recoverable from the resale of the property.

Investment Types

Hanson Capital offers a wide range of loan programs to suit our client’s needs. Here are a few of the asset types and programs we regularly invest in:

  • Purchase
  • Cash Out Refinance
  • Rate and Term Refinance
  • Long Term/ Buy and Hold
  • Cross Collateralization
  • Business Purpose
  • Single Family Residential
  • Multi-Family
  • Retail/Mixed-Use
  • Self Storage
  • Office
  • Industrial