PL 360°
1. Full-Time Trust Deed Investor A full-time trust deed investor is generally considered to be operating as a business, which leads to different tax treatment. Tax Classification: · Ordinary Income – If investing in trust deeds is their primary business, income from...
"You've heard about passive income through trust deed investing, but let's face it, it's not always as passive as it seems. You're looking for better than bank returns and no headaches, but things do go wrong. What was standard yesterday may not be next week – best...
California Civil Code § 2924.13 makes one thing clear:If you manage your own loan — you’re a servicer.Not because you’re licensed. Because you function as one. As someone who’s been professionally servicing private money loans for decades, and charging a nominal...
Hard money lending remains a vital tool for real estate investors seeking quick capital in a shifting market. As we move through 2025, tighter bank regulations and rising demand for flexible financing make these loans more appealing than ever. At PL360, we draw from...
Few legal professionals have done more to shape, protect, and clarify the rights of private lenders than T. Robert Finlay. As a founding partner of Wright Finlay & Zak, Robert has served as a trusted legal voice for decades, helping lenders, servicers, and brokers...
By offering expert financial advice and staying ahead of market trends, Michael has helped countless individuals and families secure financing options. His commitment to providing personalized service has set a new standard in the mortgage industry. Thanks for your...
A lender’s protection doesn’t start after the loan closes; it begins before the wire goes out. Yet most private lenders wait too long to think about servicing. That’s when mistakes happen, payments get missed, and legal rights fall through the cracks. Servicing isn’t...
Trust deeds are your first and most important line of defense when putting capital at risk. Yet even seasoned lenders misunderstand or overlook key parts of this legal document. That’s where things can go sideways fast. A well-structured trust deed doesn’t just...
Why Private Lenders Lose Money (Even With Good Borrowers) Most private lenders assume that the biggest risk comes from the borrower. But after reviewing thousands of loans, we’ve seen that the most costly mistakes actually come from the lender’s side, overlooked...
Most private lenders assume servicing is simple: collect payments, send notices, handle paperwork. But when servicing isn’t structured correctly, especially before funding, it can quietly unravel the entire loan. We’ve reviewed hundreds of failed or underperforming...