Borrower FAQs
At Mayacamas Lending, we provide fast, flexible capital for investors acquiring distressed properties, funding renovations, or completing construction projects. Our focus is on equity—not just credit scores—so you can leverage your property’s potential and act quickly whenever opportunities knock.
What borrower type is Mayacamas Lending a good fit for?
We’re an ideal partner for business owners who have equity in non-owner-occupied California real estate and need quick, flexible funding for a business purpose. We focus strictly on business-to-business real estate solutions and do not offer personal or consumer loans.
Are you a direct lender?
Mayacamas Lending primarily acts as a brokerage and servicing bridge between qualified borrowers and our network of private lenders. However, there are situations where we will roll our fees into a loan or lend alongside our network of private lenders, particularly on larger or more complex deals, to ensure your funding needs are met efficiently.
What are your typical loan terms and fees?
Our loans are typically short-term, interest-only bridge loans. They’re designed for business purposes with a clear exit plan, such as the sale or refinance of the property. Borrowers pay a standard origination fee at closing, and servicing fees are integrated as a small spread within the interest rate. All fees are transparently communicated upfront in your term sheet.
How fast can we close a loan?
We prioritize speed. Once we receive your complete loan package, we typically issue a term sheet promptly. Most loans are able to close within 7-10 days, though the exact timeline can vary slightly depending on the speed of third-party reports like title searches and appraisals.
What type of collateral is required for your loans?
Our loans are secured by equity in non-owner-occupied real estate in California. This means
you must have existing equity in a commercial or investment property.
What if my loan isn’t a good fit for Mayacamas Lending?
Even if your specific loan request isn’t an ideal fit for our current lending criteria, we’re still here to help. We will do our best to refer you within our extensive network to another reputable lender who may be better suited to meet your needs. Our goal is to see your project succeed.
How can I track my loan status and manage my account?
We provide a secure, online Borrower Portal where you can conveniently view the real-time status of your loan, track payments, access important documents, and receive updates. This portal is designed to give you direct, 24/7 access to your loan information.
How are servicing fees handles during the loan?
Servicing fees are paid by the borrower and are integrated into the loan as a small spread within the interest rate. This structure ensures that your monthly payment covers the ongoing management of your loan without any separate, unexpected charges.
Lender FAQs
Our team at Mayacamas Lending is seeking lenders who align with our investing philosophy. We offer secure, high-yield opportunities backed by low loan-to-value real estate deals. Our conservative approach minimizes risk while delivering consistent returns.
What lender type is Mayacamas Lending a good fit for?
Our ideal lenders are private investors, former business owners, and family offices who are looking for secured, first-position loans that directly fund real business growth. We seek partners who are seeking consistent, attractive returns and value aligned, transparent partnerships built on trust and shared success, while appreciating a hands-off approach to management.
Do lenders pay origination fees?
No, lenders do not pay origination fees. All origination costs are covered by the borrowers. This means that 100% of your capital goes directly into a secured, income-generating investment from day one, without any upfront deductions.
How does Mayacamas Lending ensure accurate property valuations for my security?
We prioritize the security of your investment. To ensure accurate and unbiased property valuations, we rely on independent third-party brokers and certified appraisers. This rigorous process provides a reliable assessment of the real estate collateral, giving you confidence in the foundation of your secured loan.
What will appear on the property title to secure my loan?
To protect your investment, your loan will be recorded as a first-position lien or deed of trust on the property’s title in the lender’s name. This establishes your priority claim against the real estate collateral, ensuring you are in the primary secured position in the event of any default.
How are loan payments handled and distributed to lenders?
We streamline the payment process for your convenience. Borrowers are set up with ACH (Automated Clearing House) payments, ensuring reliable and timely collection. Once collected, we distribute your portion of the payments monthly directly to you. If a borrower is late, our in-house team will proactively follow up, provide you with clear updates, and present proposed solutions.
How can I monitor my investments and access my financial documents?
Lenders gain access to a dedicated Lender Portal, providing 24/7 transparency and control over your investments. Through this secure portal, you can view the status of your loans, track payments received, access detailed performance reports, and retrieve necessary tax documents like 1099s, all in one convenient location.
How does Mayacamas Lending earn on servicing?
We are compensated by the borrower for our comprehensive loan management through a small servicing spread built into the interest rate of each loan. This structure allows us to efficiently manage the borrower relationship, ensure compliance with all regulations, and maintain smooth communication and reporting for our lenders, all without charging you additional, separate fees.
What happens after a deal closes?
After a deal closes, we continue to actively manage the loan throughout its entire lifecycle, right up to payoff. Our dedicated in-house team handles all aspects of loan servicing, including processing payments, tracking insurance, maintaining communication with borrowers, preparing necessary 1099s, and providing regular reporting. This means you stay fully informed and protected, while enjoying a completely hands-off investment experience.