Welcome to Trust Stone Capital

Are you seeking real estate capital or passive income backed by California property?

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Investors

BORROW WITH PRYDE

*LOANS FOR CONSTRUCTION OR FLIPS

INVEST WITH PRYDE

*NOTES SECURED BY TRUST DEEDS

EXAMPLE REAL ESTATE INVESTMENTS & NOTES

High ROI trust deed investment opportunity in California

FIRST TRUST DEED, 60% LTV, 9% YIELD, 1 YEAR TERM

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5 Tips for Finding High ROI Properties in California

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LATEST INVESTMENT STRATEGIES

Trust deed investing and private lending services in Northern California markets

CONSTRUCTION AND FIX & FLIP LOANS

Apply for financing your deals. Fast turn-a-round. Easy documentation. Loans based on equity not credit.

FREE GUIDE

NOTES SECURED BY TRUST DEED INVESTMENTS

Schedule a one-on-one meeting with me to learn more about building long-term wealth through notes secured by trust deeds. Whether you're new to real estate investing or an experienced professional, this meeting is designed to answer your questions, discuss investment strategies, and explore opportunities in the growing market of real estate-backed loans.

Investment Consultation

California counties served by Trust Stone Capital for real estate secured loans

GARY PRYDE'S EXPERTISE

PERSONALIZED CONSULTATION
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Gain Insightful Real Estate Advice Tailored to Your Investment Goals

MARKET ANALYSIS
COMPLIMENTARY

Receive a Comprehensive Market Analysis for Informed Investment Decisions

NATIONWIDE NETWORK
INDUSTRY CONNECTIONS

Leverage Gary Pryde's Extensive Network for Prime Real Estate Opportunities

CLIENT SUCCESS STORIES

"Gary's guidance led us to a lucrative investment that exceeded our expectations."

- The Thompsons

"We are grateful for Gary's expertise, which has yielded remarkable returns for us."

- The Rodriguez Family

"Gary's strategic advice has been instrumental in our real estate investment journey."

- The Carters

What is a hard money loan?

A hard money loan is a short-term loan secured by real estate, often used for real estate transactions such as property flips or renovations. The loan is typically provided by private lenders or investment groups rather than traditional banks.
How do hard money loans differ from traditional bank loans?

Hard money loans are primarily based on the value of the property, rather than the borrower’s credit score or financial history. They are faster to secure but come with higher interest rates and shorter terms than traditional loans.
What are the typical terms for a hard money loan?

Hard money loans usually range from 6 months to 3 years, with interest rates between 8-15%. Loan-to-value (LTV) ratios typically range from 60% to 65% of the property's after-repair value (ARV).
How long does it take to get a hard money loan?

Hard money loans can be processed quickly, often in as little as 7-10 business days, depending on the lender’s processes and the complexity of the deal.
What are the costs associated with hard money loans?

The costs associated with hard money loans include higher interest rates, origination fees (1-5% of the loan amount), appraisal fees, closing costs, and sometimes a “points” fee (a percentage of the loan amount charged upfront).
Can I use a hard money loan for any type of property?

Hard money loans are most commonly used for residential and commercial properties, especially for fix-and-flip projects, land purchases, or construction loans. However, the property type and condition will affect approval.
How do I qualify for a hard money loan?

Qualification depends largely on the value of the property and the borrower’s equity in it. Lenders typically focus on the property’s potential value after repairs or improvements (ARV) rather than the borrower’s creditworthiness.
What happens if I can’t repay my hard money loan?

If you fail to repay the loan, the lender may foreclose on the property to recover their investment. However, this is a last resort, and many lenders will work with borrowers to avoid this outcome.