Be The Bank. Earn Passive Returns.

Secure your capital with real estate and earn fixed interest rates.

The Smart Alternative to the Stock Market

Tired of market volatility? Become a Private Money Lender for NOLB Realty

How It Works: Instead of owning the property (equity), you act as the bank (debt).

You Lend: You provide funding for a specific acquisition or renovation.
We Secure: Your loan is secured by a promissory note and a mortgage/deed of trust against the real estate.
You Earn: You receive a fixed interest rate, often significantly higher than CDs or bonds.
We Repay: You get your principal plus interest back upon the sale or refinance of the property.

Start earning fixed returns backed by hard assets.

Frequently Asked Questions

What does it mean to be a Private Money Lender?

When you become a private lender with NOLB Realty, you essentially act as the bank. Instead of buying a share of the property and waiting for a profit split (equity), you are issuing a loan for a specific real estate project. In return, you earn a predictable, fixed interest rate on your capital without having to worry about market volatility, contractors, or project management.

How is my capital secured and protected?

Capital preservation is our top priority. Your investment is backed by a hard asset—the physical real estate itself. Every loan is legally secured by two primary documents:

A Promissory Note: Outlining the exact terms, interest rate, and repayment schedule of the loan.

A Mortgage or Deed of Trust: Recorded publicly against the property, giving you a physical lien on the asset just like a traditional bank.

What kind of returns can I expect?

Private lenders earn a highly competitive, fixed interest rate. Because our loans are backed by physical assets, we are able to offer predictable returns that typically outperform traditional savings accounts, CDs, and government bonds, without the rollercoaster of the stock market.

When do I get my principal and interest back?

Repayment timelines are entirely project-specific. For our active revitalization projects (fix-and-flips), terms are generally short-term. For properties we intend to stabilize, the terms may be longer. Regardless of the project, we present a clear, projected payoff date before you commit any funds, and your principal and interest are paid out upon the final sale or successful refinance of the property.

What exactly is my money funding?

Your capital is deployed directly into specific, vetted real estate assets. The funds are strictly used for the acquisition (purchase) of the property and/or the physical renovation costs required to stabilize and increase the value of the home.

What is the minimum loan amount required?

Because we structure our private loans to fully fund individual properties or specific phases of a renovation, our minimums vary depending on the scope of the project. We structure our minimums to be accessible while ensuring the project is fully capitalized. We encourage you to contact us to discuss your specific lending goals so we can match you with an upcoming opportunity.

Can I lend through my retirement account?

Yes! Private lending is an excellent way to grow your retirement funds without stock market volatility. You can use a Self-Directed IRA (SDIRA) or a Solo 401(k) to issue these loans, allowing your interest payments to grow tax-free or tax-deferred. If you need help setting this up, we can point you to reputable third-party custodians.