High Rate of Return Backed by Solid Property Values and Equity

Increase Your Retirement Income with IRA and Pension Investments Secured by Deeds of Trust

Investing Philosophy

We continue to build our investor base and our portfolio using sound investment practices, a thorough review of each property, and our knowledge and experience in a real estate market where we have extensive expertise.

We are dedicated to paying the highest possible yield with the lowest possible risk.

Our success is based upon the use of our proven, long standing investment principles:

• We manage your money as we would our own.
• We review each property and screen each loan applicant in great detail to insure success.
• We use conservative underwriting criteria.
• We require excellent safety margins to insure that each investment is backed by solid property values and equity.
• We will turn down a loan before risking a foreclosure.

Who Can Invest

We work with a wide range of investors including: individuals, pension funds, self-directed IRA’s, Keoghs, 401(k) plans, corporations and family trusts to name a few. Check with us if you do not fall into one of these categories. We will do everything possible to get you invested or refer you to someone who will help.

We have investment opportunities ranging from $50,000 and up. We welcome investors residing in California or any other State.

Why Invest with Roza Real Estate Loans, Inc.

We are committed to providing our investors with some of the best investment opportunities in the financial industry. Here is why we are a leader and why most of our investors have been with us for many years:

• Expertise
  Experience
  Excellence
  Your investment is secured by California real estate with a loan-to-value ratio at or below 65% on most properties, which reduces investment risks.
• Our expected rate of annual return is between 9% and 10.5% depending on the type of investment.
• Short-term investments from one to four years provide flexibility.
• A wide variety of loan products to choose from ranging from single loan investments to investing in “shares” of many loans (loan “pools”).
• We pay earned interest monthly to our investors. Start increasing your monthly income today.
• By establishing a self-directed IRA or pension plan you can significantly increase your rate of return by investing in deeds of trust. We can help you in setting up this type of account.
• We handle all the documentation, manage the investment and service the loan until it is paid off.

Diversification and Security

Investing in Roza Real Estate Loans’ new pool fund (R& R Mortgage Fund) further helps our clients diversify and reduce investment risk. Investors in the R&R Fund are able to spread risk over a larger number of mortgage loans rather than one single loan.

This is just another example of how Roza Real Estate Loans is providing new investment tools for our investors to increase yield, more safely manage their money, and to build wealth with peace of mind.

We believe well managed commercial mortgage investments are an excellent way to achieve a balance between above average returns and below average risks. That is what you will get when investing with Roza Real Estate Loans, Inc.

Let us help you maximize your rate of return, provide investment stability, reduce risks, and successfully BUILD BRIDGES TO YOUR FINANCIAL FUTURE.

Our experience and track record has been trusted by investors for over 30 years.