2nd Lien Investors

2nd Lien Investor Opportunity

ATTENTION INVESTORS

PhoneOps offers a compelling opportunity for both new and existing investors to earn attractive returns through high‑yield Second Lien notes. Trust deed investing is a valuable addition to any portfolio, offering distinct advantages with a manageable level of risk.

 

PhoneOps CLTV Program is one of PhoneOps most sought‑after offerings. It enables borrowers to secure financing with only 10% down by utilizing a Second Lien. While not all sellers are able to provide a second lien due to existing debt obligations, participation from our investors ensures this program remains accessible.

 

By joining as a Second Lien Investor, you help PhoneOps continue to deliver the CLTV Program to borrowers while eliminating the need for seller participation. In today’s market, this program provides critical flexibility and opportunity. Eligible property types for this program include:

 

2-4

Residental Units

 

 

5+ Unit

Apartment Buildings

 

 

Mix-Used

Properties

 

 

Income Producing

Hotels/Motels

 

 

Multi-Family

Package Deals

 

 

Tenant Occupied

Commercial Properties

 

 

ONLY INCOME-PRODUCING PROPERTIES!

 

A PhoneOps 2nd has two CLTV splits:

PhoneOps Started
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Loans Funded
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States Served
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HOW DOES THIS PHONEOPS 2ND WORK?

It’s not complicated at all. There are only a few simple steps:

 

1: Complete the online application to become a Second Lien Investor with PhoneOps Funding.

2: When a Second Lien Loan request becomes available, it will be emailed to you for review and acceptance.

3: Once all conditions are satisfied, funds are wired directly to the Title Company to obtain the Clear to Close.

4: Settlement is scheduled and loan documents are prepared. The Title Company records both First and Second Liens.

5. The loan is serviced through a loan servicing company of your choice, and you begin receiving monthly payments.

6: Prior to the end of the term, the client returns to PhoneOps to refinance and pay off the Second Lien Loan.

2ND LIEN LOAN GUIDELINES:

PhoneOps has carefully structured second lien terms to support both borrower equity and investor returns. We offer two CLTV split options — 15% and 20% — designed to align seamlessly with the first lien amortization schedule. 

 

These principal-and-interest terms allow borrowers to pay down both liens concurrently, positioning them to build equity in income-producing real estate while steadily reducing their overall debt. 

 

By the end of the term, borrowers are in a strong financial position to retire the second lien — creating a clear exit path for investors and a win-win structure for all parties.

 

15% 2nds
Loan Amounts: $15K to $195K
Term: 5yrs
Rate: 8% - 10%
PPP: 5, 4, 3, 2, 1
Loan Servicing: Optional
20% 2nds
Loan Amounts: $195K to $1.5M
Term: 5yrs
Rate: 7% - 9%
PPP: 5, 4, 3, 2, 1
Loan Servicing: Optional

WE BELIEVE IN GREATER FREEDOM AND SECURITY:

 

PhoneOps Funding believes in freedom — freedom from the ups and downs of the stock market, freedom from working 80‑hour weeks, and the confidence that your family’s future can be secure for generations to come.

 

* Maybe you’re a successful professional tired of settling for 2% returns

 

* Maybe you’re nearing retirement and feel your nest egg should have grown more by now

 

* Maybe you’re frustrated with paying commissions to Wall Street advisors who deliver poor results

 

* Maybe you’re ready to take back control of your financial future and put your money to work in a smarter way

 

* Maybe you’re a seasoned real estate investor ready to move from borrowing money to lending it

 

Becoming a 2nd Lien Investor with PhoneOps Funding means you never deal with clients, tenants, repair costs, or maintenance.

 

 

You simply sit back, collect monthly payments,

and enjoy the security of real estate‑backed returns.

 

 

Ready to take control of your financial future?

Complete the application below

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