Your Capital. Backed by Real Estate.
If you're looking for an alternative way to put capital to work and are interested in real estate-backed private lending at 12% interest. let's talk.
Instead of relying solely on traditional investments, private lending gives you the opportunity to earn interest by financing real estate transactions. We focus on loans where the property itself provides security for the investment, while our underwriting process is designed to evaluate the property, borrower, loan structure, and overall transaction before funding.
Put Your Capital to Work in Real Estate — Without Becoming the Property Owner
Building Possibility Together | A strategic lending approach
1
Property acquisition
First, we secure very low loan-to-value properties at discount prices, creating an immediate equity cushion that protects your investment.
2
Creative financing
Then, homes are sold as-is through lease-options or contracts-for-deed to buyers who don't qualify for traditional mortgages.
3
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.
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.
See How Our Lending Program Works →
Who we are
Roy Pales and Jacqueline Davey are a husband-and-wife team with a shared passion for real estate investing. Since 2016, they have built and managed a diverse portfolio of single-family and multifamily properties across California, New York, Missouri, and Illinois. Their combined experience brings together real estate, construction, operations, and business management, providing a well-rounded approach to evaluating and managing real estate investments.
Roy brings extensive hands-on experience as a general contractor, giving him a practical understanding of construction, renovation, property condition, and project management. Within the team, Roy oversees underwriting, acquisitions, and dispositions, helping evaluate opportunities from both an investment and construction perspective. He also stays actively involved in the SubTo and Wrap Academy communities.
Jackie brings 20 years of experience as a small-business owner and team leader. Her strengths in operations, administration, organization, and business management play an essential role in keeping the team's investments and day-to-day activities running efficiently. Her experience managing people and processes complements Roy's real estate and construction expertise.
Together, Roy and Jackie combine their individual strengths to create a disciplined, hands-on approach to real estate investing—focused on identifying opportunities, managing risk, and building lasting relationships with their partners and lenders.
How our program works
Your Capital. Your Terms. Your Collateral.
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 these 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.
This program is a great opportunity for private lenders because of the generous returns, Real estate security, predictable income over a 60 month term, and a manageable investment size.
Property Acquisition
We identify and negotiate discounted purchases on promising properties. Each undergoes thorough due diligence including title search, property inspection, and professional valuation.