For Financial Advisors & Wealth Managers
Two Conversations Worth Having With Us.
Advisors call us for two different clients. The first holds real estate and needs business-purpose liquidity without liquidating a portfolio at the wrong time. The second is accredited, wants secured monthly income, and is tired of choosing between bond yields and equity risk. We have a seventeen-year track record with both.
Client Scenarios
Where We Help Your Clients
First Trust Deed Income
Accredited clients invest in whole-note, first trust deed positions secured by California real estate — 8.95%–10.95% yields, paid as monthly interest, at conservative 60–75% LTV.
Self-Directed Retirement Accounts
Trust deed investments work inside SDIRAs and Solo 401(k)s — tax-advantaged monthly income secured by recorded first liens, held through the client's custodian.
No Blind Pools, Ever
Clients select each loan individually with the full package — property, independent appraisal, borrower profile, LTV, rate, and exit. The deed records in their name, their trust, or their custodian.
Liquidity Without Liquidation
A client with investment real estate and a business-purpose capital need doesn't have to sell securities in a down month. Business-purpose cash-out against their property, closing in days.
Real Estate Opportunities on a Clock
When a client's acquisition can't wait for bank underwriting, business-purpose bridge financing from $50K to $5M keeps the opportunity — and your planning work — intact.
How It Works
Three Steps, No Surprises
Step 1
Introduction Call
You and your client speak directly with Francisco or Frank — the principals — about goals, risk tolerance, and whether trust deeds or financing actually fit. No pitch deck, no pressure.
Step 2
Full Transparency on Every Deal
For investors: every loan presented with property, appraisal, LTV, rate, term, and exit before any commitment. For borrowers: written terms typically within 24 hours.
Step 3
Funding Through Licensed Escrow
Capital moves through licensed escrow with title insurance on every transaction; first trust deeds record at the county in the client's chosen vesting. CDF services the loan — collection, reporting, payoff.
Why CDF
Built for Referral Trust
No Fund Fees, No Lock-Ups
No management fees, no performance fees, no lock-up periods, no blind pools. Clients hold whole notes directly — CDF earns on originating and servicing, not on your client's yield.
Conservative By Structure
First lien position only, 60–75% LTV, California real estate the team underwrites in-house. The same family has run this discipline since 2009 — $200M+ across 500+ loans.
Principal Access
Your clients deal with the principals of a family-run firm, not a rotating coverage desk. When you refer a client, your reputation is handled accordingly.
Financial Advisors FAQs
Questions Partners Actually Ask
What yields do trust deed investments pay?
8.95%–10.95%, paid as monthly interest, on whole-note first trust deed positions secured by California real estate at 60–75% loan-to-value. Individual investments typically start at $100,000.
Is this a fund or pooled investment?
No. Clients invest in individual whole notes — one investor, one loan, one recorded first trust deed in the client's name, trust, entity, or retirement-account custodian. Each deal is selected individually with full documentation.
Can clients invest through an SDIRA or Solo 401(k)?
Yes — self-directed IRAs, Solo 401(k)s, trusts, and entities all work. The deed records in the custodian's or entity's vesting and monthly interest flows to the account.
What happens if a borrower stops paying?
The investment is secured by a recorded first trust deed at conservative leverage — the protective equity exists for exactly this case. CDF's servicing arm manages collection and, where necessary, the remedies available to a first-position lienholder in California.
What due diligence can my client see before investing?
The full loan package: property address and photos, independent appraisal, borrower profile, loan-to-value, rate, term, and exit strategy — before committing a dollar. Advisors are welcome in every conversation.
One Scenario Is All It Takes
Call with a live client situation and judge us on the answer. Most partnerships here started exactly that way.
Call (626) 796-1680