Invest with RGC Capital
You work hard for your money, allow your money to work hard for You!
Why Invest with RGC?
At RGC Capital, our leadership team is committed to safeguarding and growing your investment through responsible 1st and 2nd trust deed opportunities. We adhere to best practices in intelligent lending, helping protect investor capital while pursuing competitive, risk-adjusted returns.
Every lending opportunity undergoes comprehensive underwriting before investor capital is committed. Our experienced team carefully evaluates property value and equity position, borrower qualifications and experience, loan-to-value (LTV) ratios, exit strategies, repayment plans, and overall transaction risk.
With rigorous borrower evaluations and the use of trusted third-party services, we maintain a disciplined lending philosophy designed to support investor security and long-term success.
Secure Your Investment with Trust Deed Opportunities
Trust deed investing allows accredited investors to participate in real estate lending rather than direct property ownership. Instead of managing tenants, repairs, and maintenance, investors earn contractual interest from loans secured by real estate collateral.
Your investment with RGC Capital is protected through a recorded Deed of Trust and property insurance coverage. We further enhance investor protection through thorough collateral, character, and credit reviews, utilizing title companies, independent escrow providers, third-party evaluations, and comprehensive due diligence.
How It Works:
1. Borrower: A real estate investor or property owner seeking financing.
2. Investor: Provides the capital and earns interest income from the loan.
3. Trustee: An independent third party that administers the Deed of Trust and helps ensure the terms of the loan are properly recorded and maintained until repayment.
Each loan is secured by real property. At maturity, borrowers typically repay the loan through refinancing or the sale of the property, providing investors with a structured real estate-backed investment opportunity.
Investment Highlights
Asset-Backed Investments
RGC Capital strictly invests in mortgages backed by commercial real estate, ensuring your investment is secured by tangible assets.
Investment Stability
Debt investments generally carry lower risk compared to equity investments due to their position in the capital stack and consistent payment obligations.
Principal Protection
Our maximum loan-to-value (LTV) ratio is 65%, ensuring a conservative 35% equity in the property, further protecting your principal.
Priority in Repayment
We invest in 1st and 2nd mortgage positions, giving you priority over other creditors and equity holders in repayment.
Steady Income
Enjoy monthly interest payments, providing a reliable income stream from your Trust Deed investment.
Competitive Returns
RGC Capital targets annual returns between 8% and 12%, offering attractive yields compared to other investment options.
Disclaimer: Monthly distributions are provided when debt is current and payments are made. Targeted returns, historical returns, and past performance are not guarantees or indicative of future results. As with all investments, there is an inherent risk, please consult your financial or legal advisor.
Why Trust Deed Investing May Be Right for You
Trust deed investing may be well-suited for accredited investors seeking potential income, real estate-backed security, and diversification without the responsibilities of property ownership. Like all investments, trust deed opportunities involve risk, including borrower default, market fluctuations, and liquidity considerations. Careful underwriting and asset management help mitigate these risks, but investors should evaluate each opportunity based on their financial objectives and risk tolerance.
See What Our Investors Are Saying!
5.0 reviews
I came to RGC Capital to see which Investment Platforms would best work for me. I was put in touch with Victor Chavez and as we explored the different investment opportunities available, he was able to walk me through each process with clear guidance. His knowledge and Support once with began the investment process was invaluable and I look forward to working with RGC Capital again.
Miguel Garibay
The absolute best place to invest and grow your wealth. Many years working together with Mr. Chavez and I look forward to many more years continuing to work together.
Emmanuel Mejorada
It was my first time as an investor working with RGC Capital, and I have to say it was a great experience. Victor was very knowledgeable and transparent through the whole process. Any questions or concerns I might have had, he has always available to answer them for me. At the end of the investment, everything went just the way he told me it would. Great experience!
Pedro Oropeza
How to Get Started
Apply for Our Invest with RGC Application
Submit your Investor Application
Create Your Investor Profile
Begin by answering a few questions to help us understand your lending preferences. Our leadership team will connect with you to align you with a trust deed investment that matches your selections.
Download the Trust Deed Handbook and Investor Questionnaire
Access valuable insights into trust deed investments and complete the questionnaire to proceed with your investment journey.
Trust Deed Handbook Investor Questionnaire
Fund Your First Loan
Start receiving monthly interest payments by funding your first loan with RGC Capital. Put your money to work and build wealth through smart private lending.
Frequently Asked Questions (FAQs)
What is a trust deed investment?
A trust deed investment is a real estate–backed loan where you invest capital secured by a lien on a property. As the lender, you earn interest while your investment is protected by the underlying real estate.
How does investing with RGC Capital work?
RGC Capital matches your investment with a carefully underwritten real estate loan. Once funded, you receive monthly interest payments while your investment is secured by a recorded deed of trust.
What returns can investors expect?
RGC Capital targets annual returns between 8% and 12%, depending on the investment structure and project. These returns are paid through monthly interest distributions when the loan is performing.
Is my investment secured by real estate?
Yes. All investments are backed by real estate and secured through a recorded 1st or 2nd deed of trust, providing a tangible asset as collateral.
How is my principal protected?
We maintain conservative lending practices, including a maximum loan‑to‑value (LTV) of around 65%, ensuring a strong equity cushion in the property to help protect your principal.
How often do I receive payments?
Investors typically receive monthly interest payments, providing a consistent income stream throughout the life of the loan.
What types of properties do you invest in?
Investments are backed by commercial real estate and investment properties, including multifamily, mixed‑use, and other income‑producing assets.
What makes debt investing different from equity investing?
Debt investments provide fixed income and are positioned higher in the capital stack, meaning investors are paid before equity holders, which generally reduces risk compared to equity investments.
What due diligence is performed on each investment?
RGC Capital conducts thorough borrower evaluations, including collateral analysis, credit review, and third‑party services such as title, escrow, and independent property evaluations.
Are there risks involved with trust deed investments?
Yes. While investments are secured by real estate, all investments carry risk, including borrower default or market changes. Investors should review all documentation and consult financial or legal advisors before investing.
How do I get started as an investor?
You can begin by submitting the Investor Application, creating your investor profile, and completing the Trust Deed Questionnaire to align with suitable investment opportunities.
How soon can I start earning returns?
Once your investment is placed into a funded loan, you can begin receiving monthly interest payments according to the loan terms and payment schedule.