Frequently Asked Questions

Our standard minimum investment typically starts at $100,000. However, we occasionally make exceptions for lower amounts to help new investors become familiar with our programs.

Please note, we work exclusively with accredited investors. If you're unsure about the criteria, you can learn more about what qualifies someone as an accredited investor by visiting: SEC.gov | Accredited Investor

A deed of trust is a legal instrument that secures a real estate loan by pledging the property as collateral. In this scenario, it functions as the primary lien against the property. If the borrower fails to meet their loan obligations, the deed of trust allows for a faster foreclosure process. The specific terms of the loan are outlined in a separate promissory note, while the deed of trust itself is officially recorded with the county recorder. Simply put, it operates similarly to a traditional mortgage, providing security for the lender through an interest in the real estate.

Private Money Loans are short-term financing options, typically repaid within 12 to 24 months. They are primarily based on the value of the property and the borrower’s investment portfolio, rather than their credit score, and are usually offered by private lenders or individuals. These loans can close much faster than traditional mortgages, which can be crucial when trying to secure a competitive property.

Unlike conventional loans that rely on the property's current appraised value, Private Money Loans are often based on its after-repair value (ARV). This makes them particularly advantageous for projects like new construction or fix-and-flip investments.

Our main borrowers include real estate developers, custom home builders, and investors focused on rental properties.

Bravo Asset Securities provides short-term bridge financing designed for borrowers who require flexibility and fast closings. Our clients often seek creative loan structures that traditional lenders cannot accommodate. While there are numerous reasons why a borrower may opt for a higher-cost private loan, we’ve identified two primary drivers:

Tightened Lending Standards:

Many of our borrowers are self-employed or own multiple properties, making it difficult to meet the rigid requirements of conventional banks. Strict income verification processes and property ownership limits often disqualify them. In addition, regulations like Dodd-Frank have added further hurdles. These factors have fueled an increased demand for private capital solutions.

Speed of Execution:

For most of our clients, timing outweighs cost. Quick access to funds enables them to negotiate stronger terms with sellers and move forward without the delays typical of bank financing. Since our loans are short-term (generally 6 to 24 months) and offer greater flexibility, borrowers are willing to accept the higher costs in exchange for the speed and certainty of closing. Bank delays can jeopardize their opportunities — Bravo Asset Securities delivers the prompt funding they require.

Residential:

• Single family residences (SFRs)

• 2-4 Unit Residential Buildings

Commercial:

• 5-20 Unit Apartment Buildings

• Office condominiums

• Land (at lower LTVs)

• Mixed-use developments

We primarily lend in Texas and California's major cities and their surrounding areas.

We can typically approve loans within 24 hours or less. We often close in as fast as seven to ten days with an appraisal in hand.