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Is there an available guarantee for my investment?

There is not a guarantee similar to having FDIC insurance on your deposits in the bank, but look at what those deposits are yielding today. If you open a 2 year CD today with a $100,000 deposit you will do well to get 1.25%. A Trust Deed has some element of risk but a yield in the 9% to 12% range compensates greatly for it. The protective equity in the property is your shield against taking a loss. If your loan is 65% of today’s value, the risk of the borrower defaulting and you eventually taking a loss is relatively small. In the case where the borrower runs into difficulty, it’s in the borrower’s best interest to sell the property and recover his equity rather than let it go into foreclosure and lose his equity.