Short Term Loans for Long Term Success

Delarosa Lending Group is a direct private lender. We offer commercial borrowers short-term capital for transactions collateralized with real estate assets. Whether it’s a bridge loan in anticipation of conventional financing or a fix and flip, our borrowers are able to move quickly. We provide a fast and easy solution to the lengthy loan process associated with traditional banks.

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​FOR INVESTORS

Delarosa’s investment strategy enables us to provide consistently better returns and a lower risk profile than those offered by our competitors. We do not operate as a fund nor do we package and resell loans. All loans are serviced in-house and we are aligned with the interests of our investors by investing alongside them in every deal. Quarterly statements summarizing account information and activity are provided to each investor. Investors must complete an 

 

Reliable Cash Flow:  Delarosa investors can anticipate annual fixed returns of 11%.

 

Capital Preservation: All investments made by Delarosa are secured by a first position, “priority” lien on the property in question.  Additionally, loan-to-value (“LTV”) ratios are typically 60%-70% of the finished property's value, allowing the invested capital to be preserved in the unlikely event of a default.

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Skin-In-The-Game. Delarosa co-invests in every loan & borrowers commit a 20-35%. Neither Delarosa or the borrower is entitled to any principal or interest until investors are fully paid.

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Diversification:  Depending on the amount of invested capital, our investors can participate in a number of different deals at any given time, providing diversification to their overall portfolio as well as within their investment with Delarosa.

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Minimal Volatility:  Short duration loans of 6–10 months reduce exposure to economic cycles and market swings. In addition, capital is not locked up for years before seeing returns.

 

Passive Income: When a loan has been repaid in full, investors can reinvest principal and interest in a new loan or withdraw the interest and reinvest the principal.  Principal can always be withdrawn once a loan has been paid in full. Unlike other investment opportunities, there are no lock-up periods.

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Delarosa offers a compelling alternative to REITs, bonds, and market-linked instruments that are subject to market volatility.

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Investing through Retirement Accounts

Accredited investors are permitted to invest with Delarosa through self-directed individual retirement accounts, 401(K) plans, Keogh plans, and other qualified retirement plans, which may be eligible for tax deferred or tax-free growth, asset protection, and yearly tax deductions where appropriate.

 

 

HOW INVESTING WITH DELAROSA WORKS

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​FOR BORROWERS

Interest rates are just one reason to choose a particular lender over another.  Delarosa has built a reputation of transparency, being able to move quickly and being easy to work with. This combination keeps our borrowers coming back and drives referrals by both borrowers and the real estate and mortgage industry professionals we work with on loans.

• Loans from $25K to $500K.

• Up to 70% LTV.

• Closings as quickly as 48 hours of receiving application

• Initial construction draw dispersed at closing – Borrowers are not required to put up initial construction draw. Start work with cash in hand immediately!

• Savings of up to $3,500 in closing costs as compared with typical competitors. "No junk fees."

• No Pre-payment Penalty

• Interest accrues on funds as they are disbursed, not on face amount of promissory note.