Last month, I paid my investors $15,713 in passive income from my real estate private money lending fund, ZIP Capital. Total investor capital currently deployed: $2,172,103.

*Learn more about my investment fund offering 8% to 12% fixed returns*
https://www.zipcapitalfund.com/

In this video, I break down exactly how this works, what’s involved behind the scenes, and why private money lending is simple… but not easy.

What I do in ZIP Capital

I lend money to real estate investors on Pennsylvania properties, secured by real estate. When I run out of capital, I raise more from accredited investors so we can fund more deals and keep the engine moving.

The real work most people never see

It took me 3 years to learn this process end to end. Anyone can become a private money lender, but you need money, discipline, and a tight operation. Here’s what the process actually looks like:

Find real estate deals to fund
Collect and review underwriting documents
Coordinate closing details with the title company
Verify insurance, title, and loan documents (note, mortgage, guarantees)
Confirm wiring instructions and approve final settlement numbers
Execute draw agreements and ACH authorizations
Send the wire on closing day (and triple check everything)
Update loan tracking spreadsheets and pipeline reports
Update QuickBooks (new loan receivable, rehab draws, balances)
Set up recurring monthly interest drafts and track collections
Keep insurance current throughout the loan term
Manage liquidity across payoffs, new loans, and new investors
Handle extensions, fees, and paperwork when needed
Coordinate payoffs and ensure mortgage satisfactions are handled correctly

My background as a bookkeeper and business owner is exactly what positioned me to be strong at these operational and admin details, and that’s a huge advantage in private money lending.

How I pay investors fixed returns

I charge borrowers 12% annual interest plus fees because they need fast funding. Investors receive fixed returns because the loans are structured to produce consistent cash flow.

Real estate investors call all the time asking, Can you close next week? Speed matters. Certainty matters. That’s why they’re willing to pay for capital.

And because I’ve built strong deal flow through 5+ years of marketing and networking, I’m also able to turn down deals and cherry pick the best loans.

If you’re interested in how private money lending works, how investment funds are structured, or what it really takes to run the operations behind the scenes, you’re in the right place.

Subscribe for more videos on real estate private money lending, underwriting, fund operations, and raising capital.

Interested in investing with ZIP Capital (accredited investors only)? 

*Learn more about my investment fund offering 8% to 12% fixed returns*
https://www.zipcapitalfund.com/