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FOR INVESTORS

Earn 8–12% returns secured by California real estate.

Passive income, monthly distributions, and full-service loan administration handled by our team since 1980.

INVESTMENT AT A GLANCE

What You Need to Know

Every investment is secured by a first or second position trust deed on California real estate. You become the lender of record, receive monthly interest payments, and hold the loan documents until the borrower pays off the loan.

WHY DLS

Why investors choose Diversified Loan Services.

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CAPITAL PRESERVATION

​How your investment is protected

Trust deed investments are secured by real property — but the strength of that security depends on how the loan is structured. At DLS, every investment includes:

01

Collateral-Based Underwriting

We lend against property value, not just borrower creditworthiness. Our maximum LTV is 65% or lower on most loans. Every loan is underwritten so the property value supports the total debt with a meaningful margin.

03

Property
Insurance

The borrower is required to maintain property insurance naming the investor as additional insured, protecting the collateral against physical loss.

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02

Title Insurance

A title insurance policy protects the lender's position against any undisclosed claims on the property — naming you as beneficiary.
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04

California Non-Judicial Foreclosure

If a borrower defaults, California is a non-judicial foreclosure state and the property is sold to the highest bidder at a trustee sale.

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TAX-ADVANTAGED

Invest tax-deferred or tax-free through a Self-Directed IRA.

Trust deed investments can be held inside a self-directed IRA, allowing you to invest IRA funds in real estate-secured loans while retaining the tax advantages of a traditional or Roth IRA. Depending on your IRA structure, interest income can compound tax-deferred (Traditional/SEP IRA) or tax-free (Roth IRA).

Because a self-directed IRA typically owns 100% of the income generated by the investments in the account, your retirement funds can grow without tax drag.

DLS works with several established self-directed IRA custodians. If you don't yet have a self-directed account, we can refer you to custodians our investors have used successfully.

Eligible Account Structures

Cash / Individual

Traditional / Roth / SEP IRA

LLC

Trust

Solo 401(k)

Custodial Account

NEXT STEP

Ready to learn more?

The next step is a conversation. We'll walk through how DLS structures investments, answer your specific questions, and — if it's a fit — discuss current opportunities.

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