Loans to
Trusts and Estates

Location: Los Gatos, CA
Funded: $265,000
Private Loan Type: Trust Loan

trust-property-sale

Deal Highlights:

  • Trust owned property required repairs and light renovation before sale

  • The cash-poor trust needed to borrow funds to complete the work, and cover debt service in the interim

Deal Summary:

The collective decision was made amongst the beneficiaries to sell their family home after mom and dad had passed away. With little to no work being done over the past 20+ years, they knew they needed to address a few issues, and freshen the property up to get the highest and best offer.

There was a small first mortgage in place that we didn’t want to disrupt, so we went in second position behind it. The work was completed in record time, and the property was listed and sold above asking well before our loan was due. Part of what makes our trust loans so attractive in these situations is that there are no prepayment penalties, which proved to be extremely beneficial in this case.

Deal Details:

  • Property Type – Single-Family

  • Lien Position – Second Mortgage

  • Loan-to-Value – 40%

  • Loan Term – 6 months

More Deals by HCS Equity

HCS Equity is a private money lender based in Carmel, California, specialized in loans for trust & estate property.

  • reverse-1031-exchange-loan-in-pasadena

Reverse 1031 Exchange

August 15th, 2025|Comments Off on Reverse 1031 Exchange

$520K loan in Pasadena provided fast funding for a Reverse 1031 Exchange, helping the investor close on a new property before selling another.

  • cross-collateralized-bridge-loan-in-santa-cruz

Cross Collateralized Bridge Loan

August 8th, 2025|Comments Off on Cross Collateralized Bridge Loan

$1.455M bridge loan in Santa Cruz cross collateralized three properties to fund 100% of a new investment purchase. Fast close with flexible structure.

  • fix-and-flip-loan-in-pacific-grove

Investment Property Rehab

August 1st, 2025|Comments Off on Investment Property Rehab

$485K fix and flip loan in Pacific Grove funded quickly to complete a renovation project and prepare the investment property for immediate sale.

Looking To Get Started?

Contact us today for more information regarding any of our loan products. As direct lenders, we make quick approval decisions, and can provide funding in as little as 7-10 days. We are available via phone or email anytime of the day or night.