Private lending involves borrowing from individuals or groups instead of traditional financial institutions. It provides an alternative for those seeking quick financing or individuals who may not qualify through banks. This can include real estate, personal loans, or business funding.

The process starts by assessing your specific needs for funding. After an application review, we’ll connect you with potential lenders who align with your requirements. Once accepted, documentation and terms will be finalized, followed by the release of funds.

Investing through private lending comes with risks such as borrower defaults or fluctuating market conditions that could affect property values. It’s important to conduct thorough due diligence before entering into any agreement and consult professionals for advice.

Returns on private mortgages vary by deal and are influenced by factors such as loan‑to‑value, property type, term length, and borrower risk profile. Interest rates on private mortgages administered by Dependable Mortgage Solutions typically fall in the 8%–12% range. **Currently, DMS lenders are receiving an average interest rate of approximately ** 10.44%, based on active DMS‑administered mortgages. Actual returns depend on the specific terms of each mortgage and borrower performance, and are not guaranteed. All rates, fees, and payment structures are fully disclosed before any funding decision is made.

Lenders participating in DMS‑administered mortgages are registered directly on title in their own name, either as the sole lender or as a proportionate co‑lender, depending on the structure of the transaction. Funds are not pooled and are not invested through a fund or mortgage investment corporation. Each lender’s interest is secured by a registered mortgage against the property, providing direct title‑registered security and full transparency. DMS acts as the mortgage administrator, not as the beneficial owner of the funds.

If a borrower defaults, Dependable Mortgage Solutions Corp. (DMS), acting as the court‑recognized mortgage administrator and registered mortgagee, controls the enforcement process on behalf of the lender. Under the mortgage administration agreement, DMS is authorized to take all commercially reasonable steps a prudent mortgagee would take to protect the lender’s security, including issuing default notices, instructing legal counsel, and pursuing enforcement remedies such as foreclosure or sale of the property.