What is the minimum investment?

Minimum investment amounts vary by offering, typically starting at $50,000. Some larger commercial deeds may have higher minimums. Contact us to discuss current availability.

How are interest payments calculated?

Interest accrues daily on the outstanding principal balance at the stated annual rate. Monthly distributions are calculated on a 30/360 day basis and deposited on the first of each month.

What happens if a borrower defaults?

As the first lien holder, CloudMoney has the right to initiate foreclosure proceedings. Our conservative LTV ratios are designed to ensure the property value exceeds the loan balance, protecting investor principal.

Can I invest through a self-directed IRA?

Yes. Trust deed investments are eligible for self-directed IRAs and other tax-advantaged accounts. We work with most major self-directed IRA custodians and can provide the documentation they require.

Are these investments liquid?

Trust deeds are not publicly traded and should be considered illiquid for the duration of the loan term. We recommend investing only capital you do not need access to during the stated term.

The Process

How Trust Deed Investing Works

From accreditation to your first distribution — a clear, straightforward path to secured real estate income.

Verify Accreditation

Trust deed investments are available exclusively to accredited investors under Regulation D. We verify your status through a simple, confidential process — income documentation, net worth verification, or a letter from your CPA or attorney.

Typically completed within 1–2 business days.

Review Available Offerings

Browse our current trust deed listings. Each opportunity includes a full property summary, independent appraisal, borrower profile, LTV ratio, interest rate, and projected monthly income. We provide everything you need to make an informed decision.

No pressure. Take the time you need.

Execute Loan Documents

Once you select an investment, our team prepares the trust deed, promissory note, and title insurance. All documents are reviewed by independent legal counsel. You sign electronically and funding is confirmed within 3–5 business days.

Title insurance included on every deed.

Receive Monthly Distributions

Interest payments are distributed directly to your account on the first of each month. You receive a monthly statement detailing your position, accrued interest, and remaining loan balance. No surprises — just consistent income.

Direct deposit on the 1st of each month.

Loan Maturity & Capital Return

At maturity, the borrower repays the principal in full. Your capital is returned along with any final interest owed. If you wish to reinvest, we'll present available offerings matching your criteria before the payoff date.

Typical terms range from 12 to 24 months.

Investor Protections

Built-In Safeguards at Every Step

First Lien Position

Every CloudMoney trust deed holds first lien priority — senior to all other claims on the property.

Conservative LTV

We target a maximum 65% loan-to-value ratio, providing a meaningful equity cushion against market fluctuations.

Title Insurance

Each deed is covered by a lender's title insurance policy, protecting your position against title defects or disputes.

Independent Appraisals

All properties are appraised by licensed, independent appraisers before any loan is originated.

Transparent Reporting

Monthly statements and an investor portal give you real-time visibility into your portfolio and loan performance.

Experienced Underwriting

Our team reviews borrower credit, property condition, market comparables, and exit strategy on every deal.

Common Questions

Frequently Asked Questions

Get Started

Ready to Get Started?

Speak with our investor relations team to review current offerings and begin the accreditation process.

View Current Offerings Contact Investor Relations