Private Lending Program:
How a Real-Estate-Backed Loan Could Work
Discover how to generate consistent, predictable income through private real estate lending while helping families achieve homeownership.
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This comprehensive resource explains how private lending program works, enabling you to receive returns of 10% or more secured by real estate. We've designed this guide to walk you through each step of the process, from initial investment to ongoing returns.
While we strive to provide valuable information, please note that all real estate investments carry inherent risks. Real estate loans are not guaranteed or insured by any government agency, and past performance cannot guarantee future results.

Important: 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.
About Me: Your Partner in Real Estate Lending
For several years, I've built a successful real estate portfolio spanning multiple states, focusing primarily on single-family homes. My expertise lies in creating win-win scenarios that benefit everyone involved:
  • Families gain pathways to homeownership through creative financing
  • Private lenders receive predictable, attractive returns
  • Communities see improved housing and neighborhood stability
What sets my approach apart is my commitment to transparency, predictability, and tangibility. My lender partners value seeing their investments at work in physical properties while enjoying consistent returns month after month.
A Strategic Lending Approach:
Property Acquisition
First, secure very low loan-to-value properties at discount prices, creating an immediate equity cushion that protects your investment.
Creative Financing
Then, sell homes 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, 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 We See Often for a Return on Investment: 5-Year Projection for a $30,000 loan
In this example, with a standard $30,000 loan at 12% fixed interest over 60 months, the investor receive approximately $10,040 in total interest payments in addition to the principal.
By the end of the term, in this example, the investor will have received $40,040 in total returns ($30,000 principal + $10,040 interest). Monthly payments are structured to provide consistent, predictable income throughout the loan term.

Note: The slight variation in Year 5 is due to calculation rounding. Your personalized amortization schedule will show the exact monthly breakdown of principal and interest payments over the entire 60-month term.
The 5-Step Lending Process That We Often See:
Below is a sample workflow to illustrate the documentation and due-diligence steps that typically occur in a secured private loan.
01
Property Acquisition
We identify and negotiate discounted purchases on promising properties. Each undergoes thorough due diligence including title search, property inspection, and professional valuation.
02
Loan Presentation
Qualified lenders receive a New Loan Opportunity Announcement detailing the specific property, loan terms, equity position, and expected returns schedule.
03
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.
04
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.
05
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.
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
Your detailed interest schedule shows exactly how much you'll earn at any point during the 60-month term, allowing for precise financial planning, in the example provided.
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 $30,000-$50,000, you can limit exposure to any single property while still earning attractive returns.
These benefits combine to create a secure, transparent, and profitable investment opportunity that stands apart from traditional investment vehicles.
Your Four-Layer Protection System
A common structured to this type of program will have multiple safeguards to protect your investment. 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 12% fixed return and the 60-month term, like 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 all documents. No funds are released until every protection is securely in place.
Frequently Asked Questions:
The following FAQs relate to the sample structure shown above. Real-world transactions vary widely 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 $30,000–$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. By working with private lenders, we gain speed, flexibility, and certainty of capital—advantages that are worth the premium. Additionally, 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 401k?
Yes. Many lenders use self-directed IRAs to participate in our program. This allows you to earn these attractive 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. Your returns are fixed and secured by real property with substantial equity. As with any investment, you should perform thorough due diligence before participating.
Common Concerns Addressed from the example above
"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. We structure our business model to ensure we can 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. This protects 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. By honoring our commitments fully, we maintain a reliable network of satisfied lending partners.
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'll 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 for Considering Our Private Lending Education Program
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.
Ready to learn more? Contact us today to schedule a consultation:
Contact Information
I'm 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:
lend@bluegoldhomes.com
Schedule a Call
Use the form below to book a 30-minute consultation at your convenience
"I'm committed to creating transparent, mutually beneficial partnerships that provide consistent returns while helping families achieve their homeownership dreams."
Important Legal Disclaimer

This is not an offer to sell securities. This program is structured as a private loan transaction secured by real estate. The information provided in this guide is for general educational purposes only and should not be construed as financial, legal, or investment advice.
Educational Example Disclaimer
This website and all examples described herein are for educational and illustrative purposes only. The sample numbers, returns, and structures shown are hypothetical and do not represent a current or past offering.
Nothing on this site constitutes an offer to sell or a solicitation to buy securities. Any potential private lending activity described would occur solely on a one-on-one basis and only in compliance with applicable federal and state laws.
Visitors are strongly encouraged to consult qualified legal, tax, and financial professionals before participating in or structuring any private lending transaction.
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