Real Estate Investing & Creative Finance Document Preparation in California

Real Estate Investing & Creative Finance Document Preparation

Real estate investors, private lenders, and buyers using creative financing strategies need clearly written transaction documents to record the terms of their deals. Whether you are structuring a seller-financed sale, lending money secured by real property, or setting up a lease-option arrangement, the paperwork needs to accurately reflect what was agreed upon before the deal can move forward.

At Ashlar LDA, Inc., we prepare the real estate transaction and private lending documents that investors and creative finance buyers use in California, based entirely on the information and instructions you provide. We are Legal Document Assistants, not attorneys, and we do not provide legal or financial advice.

Real Estate Investing & Creative Finance Document Services

We prepare the following types of documents for California real estate investors and private lending transactions:

Seller-Financed Transaction Documents

Seller financing is a purchase arrangement where the seller agrees to carry all or part of the purchase price rather than requiring the buyer to obtain a traditional bank loan. These transactions require carefully prepared documents to record the agreed terms and protect both parties.

Common seller-financed structures include straight seller carryback notes secured by a deed of trust, all-inclusive deeds of trust that wrap an existing mortgage, land contracts where title transfers on final payment, and lease-purchase arrangements that combine a rental period with an obligation to buy.

We prepare the documents for each of these structures based on the deal terms you provide. Both buyers and sellers in private transactions use our document preparation services to get their paperwork in order before closing.

• Seller carryback notes with a deed of trust securing the deferred purchase price against the property
• All-inclusive deeds of trust for wrap-around financing structures used by experienced investors
• Land contracts where the buyer takes possession while the seller retains legal title until the contract balance is paid
• Lease-option and lease-purchase agreements giving a tenant-buyer time to qualify while locking in the purchase price today

Private and Hard Money Lending Documents

Private and hard money lenders who make loans secured by California real estate need a promissory note and a deed of trust to properly document and record each loan. The promissory note sets out the loan terms agreed upon between the parties, and the deed of trust is recorded with the county to establish the lender's security interest in the property.

We prepare promissory notes and deeds of trust for private party loans based on the loan amount, interest rate, repayment terms, and property information you provide. When a private loan is paid off, we also prepare the reconveyance deed that releases the lien from the property's title.

Borrowers who need to modify the terms of an existing private note can also use our services. We prepare loan modification agreements that document changes to interest rate, payment amount, maturity date, or other terms - based on what both parties have agreed to.

How Our Real Estate Investing Document Process Works

1. Tell us about your transaction or loan

   Provide the deal structure, party names, property address, purchase price or loan amount, and the key terms you and the other party have agreed upon.

2. We prepare the appropriate documents

   Based on your instructions, we prepare the promissory note, deed of trust, purchase agreement, lease-option, or other documents that fit your transaction structure.

3. Review and execute the documents

   Review the completed documents with the other party, sign before a notary where required, and retain executed copies for your records.

4. Have all documents Recorded that’s any instruments that require recording

   Deeds of trust and certain other instruments must be recorded with the county recorder's office to be effective against third parties. We prepare the documents - recording is completed by you or your escrow or we can help with ficilitation.

Who Uses Our Real Estate Investing & Creative Finance Services

• Real estate investors structuring private purchases, wholesale assignments, or seller-financed acquisitions outside of traditional bank lending
• Private and hard money lenders who need a properly prepared promissory note and deed of trust to document and secure each loan they make
• Sellers carrying back financing who want the terms of the deferred purchase price clearly documented with a note and deed of trust
• Tenant-buyers in lease-option arrangements who need a written agreement that clearly states the option terms, purchase price, and option period