If you’re tired of riding the stock market roller coaster or constantly hearing about real estate opportunities that feel way out of reach, this post is for you.
What if I told you there’s a way to earn 10% to 12% passive returns—backed by real estate—without buying a single property?
No tenants. No midnight maintenance calls. No giant down payment. Just steady, predictable monthly income.
There’s a powerful strategy more investors are turning to, and for a growing number of individual investors, it’s becoming the go-to strategy for building real wealth without the headaches of traditional real estate.
I’m going to break down exactly how trust deeds work, why it might be the smartest way to diversify your portfolio, and which company makes it incredibly easy to get started.
The Problem With Traditional Real Estate Investing
The truth is, being a landlord just isn’t right for everyone. Owning rental property sounds like a dream…until you’re knee-deep in it.
You picture passive income rolling in, but what you get instead is a full-time job you didn’t sign up for. You know what I’m talking about:
- 2 a.m. calls because a toilet won’t stop running
- Tenants ghosting you halfway through a lease
- Expensive vacancies when someone moves out at the worst possible time
- A $7,000 AC replacement in the middle of a heat wave.
Even if you hire a property manager, guess what? You’re still managing the manager.
And let’s not forget the upfront cost. Buying a rental property isn’t cheap. You’re often shelling out tens of thousands, sometimes hundreds of thousands, of dollars just to get your foot in the door.
Plus, you’re tied to one property in one location. So, if that market dips or your tenant stops paying rent, your entire return is at risk.
Now, don’t get me wrong: Owning real estate is a powerful wealth-building tool. But the traditional role of landlord? It’s not for everyone.
And the truth is, most people want the benefits of real estate…without the drama that comes with it. They want cash flow, equity, and inflation protection, but without being on call 24/7.
Here’s the good news: There’s a way to tap into the power of real estate without owning property at all. It’s called trust deed investing.
What Are Trust Deed Investments?
Imagine you know a real estate developer. They find a property they want to build or flip, but they don’t want to go the traditional bank route. Maybe they need cash quickly. Maybe the banks are dragging their feet, and they need to move quickly to snap up this opportunity.
So, what do they do? They turn to private investors like you.
And instead of buying the property yourself (and dealing with tenants, toilets, and turnover), you’re stepping in as the lender. You loan them the money, and in exchange, they pay you a fixed rate of return every single month. That’s a trust deed investment.
More formally, a trust deed (also called a “deed of trust”) is a legal document used in real estate transactions that secures a loan. It involves three parties: the borrower (the developer), the lender (you), and a trustee (a neutral third party who holds the title until the loan is paid off). If the borrower doesn’t pay, the trustee can foreclose on the property and recover your investment.
What makes this super appealing for everyday investors? Unlike stocks that rise and fall based on market mood swings, trust deed notes are backed by actual real estate. We’re talking about land, buildings, and tangible assets, not just promises and projections.
And here’s where it gets even better: You’re not the one fixing broken water heaters or chasing down rent. There’s no property management involved. You’re not buying a home. You’re buying the note. Think of it like becoming the bank without needing millions in capital.
So, while your neighbor is dealing with a 2 a.m. call from their short-term rental guest about a busted lock, you’re earning steady interest income while you sleep. No tenants, repairs, or drama: Just predictable, fixed returns from real estate-secured notes.
That’s why owning physical rental property isn’t the only way to win in real estate—and why this strategy is a game changer for investors who want the upside of real estate without all the headaches.
Why Ignite Funding Is the Go-To Platform for Trust Deed Investing
So, now that you know what trust deed investments are and why they’re such a smart way to earn passive income, let’s talk about how you actually do it.
Enter: Ignite Funding. This is the company that takes all the complexity out of trust deed investing and makes it ridiculously simple for everyday investors.
Unlike other platforms that just connect you with random borrowers, Ignite Funding is a full-service operation. That means they don’t just hand you a loan and say, “Good luck.” They actually originate, service, and collect on every loan in-house.
Let me break down what that means:
- Originate: They vet and underwrite each real estate deal and borrower before ever funding a deal.
- Service: They manage all the loan logistics, from documentation to payment processing.
- Collect: If a borrower misses a payment or defaults, Ignite Funding steps in to protect your capital, even going as far as foreclosing on the property and selling it, if needed.
So, while you’re kicking back and earning interest checks each month, they’re doing the heavy lifting behind the scenes.
Now, here’s the key difference: This isn’t a REIT. You’re not buying stock in a fund that’s subject to market mood swings. With Ignite, you’re choosing specific trust deed investments, each backed by tangible real estate.
That means your money isn’t bouncing around like it would if it were invested in the S&P 500. It’s tied to real properties with real value.
And best of all? You get monthly interest payouts. Real, actual cash flow you can count on. (Not some paper gain you hope doesn’t vanish overnight.)
So, if you’re the kind of investor who wants transparency, control, and predictable income without becoming a landlord, Ignite Funding was literally built for you.
Five Reasons Investors Are Turning to Ignite Funding
Here’s the part that really matters—why investors, from beginners to seasoned pros, are choosing Ignite Funding to grow their money.
In a world full of risky crypto plays and volatile stock tickers, people are craving consistency. And that’s exactly what Ignite delivers.
1. 10% to 12% fixed returns (paid monthly)
You read that right: With Ignite, you can earn a fixed annualized return between 10% and 12%, and those returns are paid out monthly. That means you’re not waiting around for dividends or hoping your stock goes up. You’re getting consistent, reliable cash flow every single month—straight to your account.
And because these loans are backed by real estate, they don’t swing wildly with market headlines. It’s calm, stable, and predictable—exactly how passive income should feel.
2. Accessible for non-accredited investors
Here’s the thing: Most platforms that offer these types of investments only cater to the wealthy. You’ve got to be an accredited investor with a six-figure income or million-dollar net worth just to get in the door.
Not with Ignite. They welcome individual investors of all kinds—no accreditation required. If you’ve got some savings and a desire to diversify, you can get started.
3. Low minimum investment ($5,000 for BiggerPockets subscribers)
Most trust deed opportunities at Ignite start with a $10,000 minimum, but if you’re part of the BiggerPockets community, you can start with just $5,000. That’s low enough for new investors to test the waters, or for experienced ones to diversify across multiple deals.
4. True diversification without owning property
Real estate diversification used to mean buying up homes across different ZIP codes. But scaling that way can get a little complicated.
With Ignite, you can spread your capital across multiple loans, backed by different property types and developers in multiple states.
And the best part? You’re not managing any of them. You get the benefit of real estate exposure, without the landlord headaches.
5. Full-service platform with hands-on support
Ignite doesn’t just drop you into a dashboard and wish you luck. They assign you a licensed Business Development Executive who helps you understand the process, walk through investments, and make informed decisions.
After that, their licensed Client Services Team keeps you in the loop, helps with paperwork, and is available anytime you need support.
You’re not doing this alone. You’ve got a real team backing you.
Between the returns, the accessibility, the support, and the simplicity… it’s no wonder investors are making the switch.
Risks and Risk Mitigation
Now, every investment comes with risk. And trust deed investing is no exception. But the key difference here? With Ignite Funding, you’re not investing blindly. You’re investing in asset-backed loans with serious risk-mitigation practices in place.
So, what are the risks? The biggest one is borrower default. In plain English: The real estate borrower you loaned money to might not pay you back on time, or at all.
But here’s where Ignite steps up.
1. Rigorous due diligence
Before any deal hits the platform, Ignite Funding performs extensive underwriting. They review the borrower’s background, experience, and financials, and they ensure there’s a clear exit strategy. If a deal doesn’t meet their criteria, it doesn’t get funded… period.
2. Conservative loan-to-value (LTV) ratios
Ignite typically lends at 60% to 70% LTV. That means if the property is worth $1 million, they’re only loaning out $600,000 to $700,000. That leaves a healthy equity cushion.
Why does this matter? If the borrower defaults, Ignite can foreclose on the property and sell it. Because there’s a buffer between what’s owed and what the property is worth, there’s a much higher chance investors will recover their principal—and maybe even some missed interest.
3. First-position trust deeds
This is huge: When you invest through Ignite, you hold a first-position lien on the property. That means you get paid first if the property is sold in foreclosure. Not second, not third. First.
So, while other unsecured investments might leave you hanging, this one puts you in line ahead of the crowd.
4. Active loan servicing and recovery
If a borrower misses a payment, Ignite isn’t just sending reminder emails. They take action. They manage the collection process, initiate foreclosure if necessary, and work to recover your funds as quickly and efficiently as possible.
You’re not stuck trying to chase someone down or deal with legal headaches. Ignite does all of that for you.
Final Thoughts
No investment is 100% risk-free. But with strong underwriting, low LTVs, asset-backed loans, and a team that’s ready to act if things go sideways, Ignite gives you layers of protection that most investment platforms just don’t offer.
So, here’s the big picture: You want to grow your money and consistent income, and you want it without the stress of owning a property, chasing down rent checks, or fixing someone else’s clogged toilet. That’s exactly what trust deed investing offers.
And with Ignite Funding, it’s not just theory—it’s a system that’s already working for thousands of investors. You get double-digit returns, backed by real estate and paid out monthly. No stock market roller coaster. No landlord responsibilities. Just steady, predictable income from real assets.
It’s a great fit for anyone who wants the benefits of real estate without the burdens of traditional investing.
And the best part? You don’t need to be rich, accredited, or experienced. You just need to get started.
So, here’s your next step:
Want to earn double-digit passive income backed by real estate? Learn more at Ignite Funding.
Because your money should be working just as hard as you do. And with Ignite, it finally can.
Disclosure:
Trust deed investments offered through Ignite Funding involve risk, including potential loss of principal. All investments are secured by real property and offered to qualified investors. Ignite Funding is a licensed mortgage broker (NVMBL #311) | (AZ CMB-0932150). Money invested through a mortgage broker is not guaranteed to earn any interest and is not insured. Prior to investing, investors must be provided applicable disclosure documents. This article is for informational purposes only and does not constitute financial advice or a solicitation to invest.
