Become an investor
Why invest in Hard Money loans with Mojave Capital?
High Returns, Secure Investment: Hard money loans offer investors attractive returns of 10-12% secured by real estate. Mojave Capital specializes in providing private, first-lien mortgage loans to established Nevada investors and developers.
Filling the Gap: Traditional banks have tightened lending standards, leaving a void for investors who don't qualify for conventional loans. Hard money lenders bridge this gap, offering an alternative for borrowers seeking financing for their projects.
Previously Exclusive Opportunity: Historically, first-lien mortgage investments were primarily available to institutional investors. The post-crisis financial landscape has opened up this secure investment opportunity to private individuals.
Boutique Lenders Reshape the Market: Banks have retreated from many commercial and real estate investment loans, creating space for specialized hard money lenders. This shift allows private investors to participate in this lucrative market.
Exceptional Security: First-lien mortgages offer a high degree of security. In case of default, the lender has the right to foreclose on the property. Hard money lenders go a step further, requiring borrowers to have significant equity invested in the project. This "skin in the game" motivates borrowers to complete projects on time and repay loans efficiently. Additionally, strong equity positions the property for a smoother sale in the event of foreclosure, ensuring the lender recoups their investment. Unlike traditional lenders, hard money focuses on the underlying asset – the real estate – rather than solely relying on a borrower's credit history.
Passive Income with High Returns: Hard money loan investments offer the potential for 10-12% annual returns with minimal ongoing involvement. You avoid the hassles of managing tenants or navigating the stock market's volatility. Simply invest and collect consistent monthly interest payments.
Safeguarding Your Hard Money Investment
Minimized Risk, Maximized Security
We prioritize several key strategies to ensure the security of your hard money investment:
Low Loan-to-Value Ratio: Hard money loans we offer typically have a loan-to-value ratio (LTV) of 75% or less. This means the borrower has at least 25% equity invested in the property, creating a buffer for unexpected issues.
First-Lien Position: Every loan we facilitate is secured by a first-lien position on the underlying real estate. This means you, as the investor, have priority in case of default. The property itself serves as collateral, further mitigating risk.
Tangible Asset Backing: Your investment is directly tied to specific, short-term loans. These loans are made to experienced "flippers" renovating properties or established commercial real estate investors. This tangible asset backing provides a layer of security compared to more abstract investment options.
Construction Oversight (if applicable): When funding rehabilitation or construction projects, we leverage third-party construction control companies. These independent entities supervise and verify completed work, ensuring funds are released only upon project milestones being met.
Focus on Experienced Investors: We solely lend to professional real estate investors, not homeowners. This focus ensures borrowers have the knowledge and experience to manage their projects effectively, further reducing risk for our investors.
Have questions about our investment opportunities?
We encourage inquiries from qualified investors. Please fill out the form below to tell us more about your investment interests and how Mojave Capital can be a partner for your success.