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Looking for a high yield investment secured by substantial collateral?
Level Financial is an equity based private lender. We invest in loans secured by substantial collateral in the residential and manufactured housing industries. Our primary objective is to provide a high yield investment that generates a consistent monthly income.
We understand the success of our investors ultimately determines our success as a company. Level Financial has a vested interest in the repayment of our notes. We take every possible precaution to ensure the performance of our loans. Our investors enjoy peace of mind knowing we have an extensive due diligence process in place to minimize risk.
A strong financial future starts with the choices you make today. One smart move is choosing Level Financial as your Real Estate Investment Company. Level is committed to achieving our investor’s financial objectives.
Historically, private lending has outperformed cash investments (bank deposits, CDs, money markets, and T bills), with less volatility than individual common stocks. Furthermore, the return on private lending may offset the negative return on stocks during periods of a market downturn. As a result, adding private lending to an all-stock portfolio may increase overall return while lowering risk and volatility in a balanced portfolio.
There are risks associated with Trust Deed Investments that Investors should be aware of:
- Trust Deed Investments are not insured by the FDIC or any other government agency. Additionally, Level Financial, its principals, and associates are not allowed to guarantee the success of the investments. The investments involve certain risks and are suitable only for persons of adequate means who anticipate no need for immediate liquidity.
- The value of property is given by an appraiser reflecting his/her opinion of the value at a specific date. There is no assurance that the appraised value will reflect a fair market value, as general and local economic conditions may change.
- Although the investor makes the investment decision, the success of the investment will depend, in part, upon the experience and quality of the management of the mortgage broker. You should not entrust all aspects of the investment decision and subsequent servicing to the broker without full understanding of the delegated responsibilities and rights.
- The borrower's ability to repay the loan will depend upon the borrower's financial conditions which could change over time.
- There are general risks associated with real estate investments including general or local economic conditions, neighborhood values, interest rates, real estate tax rates, the supply of and demand for properties of the type involved, the ability of the borrower to obtain necessary alternative financing, governmental rules and acts of Nature.
- Default by the borrower could interrupt your monthly payments. Under extreme cases, it may be necessary to instruct your servicing company or attorney to foreclose or take other actions to protect your investment. It is possible for the total amount recovered upon foreclosure to be less than the amount of your total investment, with resulting loss of capital to the investor.
- If a borrower files a reorganization or full insolvency bankruptcy, the foreclosure process could be stalled. Trust deed investors could incur significant legal fees and costs in attempting to obtain relief from the automatic freeze on collection proceedings provided by the Bankruptcy Code. Relief consists of obtaining court approval to release the property out of the bankruptcy so that the property can be foreclosed upon. Furthermore, the court could modify the terms of the loan by extending the due date, changing the interest rate and payment structure, or causing the priority of the loan to be subordinated to a bankruptcy court-approved financing plan.
- Investments offered through Level Financial, Inc. are not liquid, not transferable and involve risk, including loss of principal.
- This web site constitutes neither an offer to sell nor a solicitation of an offer for any investment. An offer is made only by the material disclosure package.