Reasons to Invest in Mortgages and Trust Deeds

Safe, conservative investments backed by local real estate.

  • Targeted net returns between 8%-13%

  • Returns distributed monthly

  • Investments secured by first mortgages on low leveraged commercial and investment real estate

  • Exposure to real estate without management hassles

  • Passive income

If you are an accredited investor, Hedge Fund or family office looking to invest in commercial first mortgages on real estate with above market returns, we offer a complete turnkey solution for you to invest in private commercial real estate mortgages.

Request Information Today!

    Are you an accredited Investor?
    Are you an experienced Investor?
    Your Name (*Required)
    Email Address (*Required) Phone Number

    Gelt Trust Seals

    Learn about Real Estate Investing With Your Self-Directed IRA

    If you are a private investor looking to invest in real estate but don’t possess the know-how or time required to acquire investment properties, mortgage and trust deed investing is an excellent alternative. Mortgage note investments can offer attractive annual returns through a more passive investment vehicle. Every mortgage note is secured by desirable properties, and offer potentially high annual yields that can sometimes outperform the ROI achieved from investment property ownership.

    Our management team has over 32 years of experience in the real estate industry, arranging private money loans and working with private investors. We have worked with a multitude of investors and have enjoyed building long-standing relationships.

    We originate and service commercial mortgages and fund these loans with private investor capital.

    If you are an accredited investor and seeking attractive returns, please email to learn about investment opportunities.


    At Gelt Financial, we believe that, when done properly, mortgage lending can be an attractive and secure investment. 
    To this end, we utilize the following principals when underwriting loans:

    • Conservative Loan-To-Value Limits. Loan-To-Value (LTV) simply means the amount of the loan divided by the value of the property. Lower LTVs mean lower risk, as there is greater collateral value securing the loan. While Wall Street loans of the mid-2000s were often done at 100% LTV and banks still routinely make 95% LTV loans on owner-occupied properties today, Gelt makes loans where the LTV at the completion of any improvements will be no greater than 65%. Overall, we target a portfolio LTV of no more than 50%.
    • Focus on Repayment. For each loan, we focus intently on how we will be repaid, even if the borrower defaults.
    • Focus on Safety over volume. We have been in all economics markets and learned that it’s much better to focus on risk aversion over volume. So we are very focused on this.

    You can invest in a single mortgage or diversify your portfolio.

    Single Notes

    Investors can purchase single whole notes secured by real property. The investor owns the entire note and the borrower pays the investor monthly mortgage payments which are collected by a servicing agent and distributed to the investor every month.

    Fractionalized Notes

    Fractional notes are single whole notes secured by real property that is owned by 2 to 10 investors. Each investor owns an undivided interest in the note and receives a pro-rata share of the monthly mortgage interest that is collected by a servicing agent and distributed to the investors every month.


    Transparency is an important aspect of any investment. Simply put, it’s important for you to know what type of assets are securing your investment and that there are no surprises later on. At Gelt our goal is to provide complete transparency and, as a result, you review the complete underwriting and due diligence file with all documents and collateral information in it before you make a decision about investing.

    In it is Financial Statements, Proof of Income, Credit, Leases, Appraisals, Title Reports, Insurance, Underwriting analysis of the risks and the loan file. Once the loan is closed you also have access to detailed loan summaries, payment histories, project updates, photos, copies of key loan documents (such as Notes, mortgages, appraisals, etc.), and monthly financial reports.


    If you are a qualified investor, that’s suitable for this type of investment we will send to you an investment opportunity for you to review. You only invest after you review and approve each deal.

    Gelt Financial offers you more than 32 years of successful experience, high underwriting standards, and rigorous due diligence.

    For more information please contact us


    Gelt Financial is here to help you with
    your Commercial Mortgage needs.