For CPAs & Tax Advisors
Tax-Advantaged Real Estate Your Clients Can't Get From a Fund
Your high-net-worth clients want real estate exposure without management headaches. Trust deed investments deliver 8.95–10.95% yields, monthly income, and tangible California property security — through SDIRAs, Solo 401(k)s, and entity structures you already advise on.
Plus: when your business-owner clients can't get conventional financing, we fund them in 7 days — no tax returns required.
For Your Investor Clients
Tax-Advantaged Trust Deed Strategies
Help your clients deploy capital into individually selected, first-position trust deeds secured by California real estate.
SDIRA Trust Deed Placements
Your clients' self-directed IRAs can earn 8.95–10.95% annual yields secured by California real estate. Each investment is individually selected — no blind pools, no fund manager risk. Interest grows tax-deferred (traditional) or tax-free (Roth).
Solo 401(k) Deployment
Self-employed clients with Solo 401(k) plans can invest in whole-note first trust deeds. Higher contribution limits than IRAs, plus potential for Roth conversion strategies on real estate-backed yields. We coordinate directly with plan administrators.
Entity-Structured Investments
LLCs, family trusts, and S-corps can hold trust deed investments. We record the deed in whatever entity structure your client prefers. Flexible for estate planning, asset protection, and multi-generational wealth transfer strategies.
For Your Borrower Clients
Financing When Conventional Lenders Can't Help
When your clients need capital fast — or can't qualify conventionally — here's how we solve it.
1031 Exchange Bridge Financing
Your client identified a replacement property but needs to close before their conventional financing is ready. We bridge the gap in 7 days, keeping the exchange timeline intact and avoiding a failed exchange.
Self-Employed Client Solutions
Conventional lenders require 2 years of tax returns your client doesn't want to produce — or the returns don't show enough income despite strong cash flow. We underwrite the asset, not the tax return. Bank statement programs available.
Cash-Out for Business Capital
Your client has equity in investment properties they need to access for business purposes. Banks take 45–60 days and require full documentation. We provide cash-out refinancing in as few as 7 days on business-purpose loans.
The CDF Difference
Why CPAs Recommend Capital Direct Funding
Your clients trust your judgment. Here's why trust deed investments through CDF hold up under scrutiny.
Full Transparency on Every Deal
Your client sees the property, the appraisal, the borrower profile, the LTV, the rate, and the term before committing a dollar. No black-box fund allocations.
Conservative Underwriting
60–75% LTV ratios on every trust deed investment. First position only — never subordinate. Independent appraisals and title insurance on every transaction.
Predictable, Documented Returns
Monthly interest payments at stated rates. No performance fee haircuts, no NAV adjustments. Clean 1099 reporting for your client's tax filings.
No Fund Fees or Lock-ups
Zero management fees, zero performance fees, zero redemption gates. Your client's return is the stated interest rate. Capital returns at loan maturity — no waiting for a fund window.
Referral FAQs
What Partners Ask Before the First Referral
How are trust deed investment returns reported for taxes?
Investors receive monthly interest on whole-note first trust deeds and year-end tax documentation from our servicing operation. Interest is ordinary income; held inside an SDIRA or Solo 401(k), it accrues to the account under the plan's tax treatment.
Can my client's self-directed IRA invest in trust deeds?
Yes — SDIRAs, Solo 401(k)s, trusts, and entities all work. The first trust deed records in the custodian's vesting and monthly interest flows to the account. Yields run 8.95%–10.95% at 60–75% loan-to-value.
My client's returns are optimized for taxes — can they still get a loan?
That's our self-employed program in one sentence: no tax returns required, from 9.99%, up to 70% loan-to-value. We underwrite the property and the plan, so tax-efficient returns stop being a financing obstacle.
Do these loans work for 1031 exchange timelines?
Yes — business-purpose bridge financing closes in as few as 7 business days, which is what a 45-day identification or 180-day closing window actually requires.
Is the trust deed investment a pooled fund?
No. One investor, one loan, one recorded first trust deed in the client's chosen vesting — selected individually with the full package (appraisal, LTV, rate, term, exit) before any commitment. No management fees, no lock-ups.
Explore a Strategy for Your Clients
Whether your client wants to invest in trust deeds through a tax-advantaged account or needs fast capital for a business-purpose real estate transaction — one call tells you everything.