The borrower is a seasoned technology executive who previously served as Senior Vice President and held senior leadership roles at Dell.
The loan request is a 2nd TD business purpose loan on a owner-occupied SFR estate property located in Woodside, California, one of the most prestigious and supply-constrained residential markets in Silicon Valley. The property has an appraised value of $12,000,000 as of October 30, 2025 as well as a secondary independent review as of March 11, 2026 confirming its value, supported by comparable sales in the immediate area reaching upwards of $15 million.
The loan proceeds will be used for business purposes, including paying off an existing $850,000 2nd TD business loan, in good standing, and investing into borrower’s LLC to purchase single-family and multi-family rental properties in the Silicon Valley area. A minority portion of the proceeds, approximately $300,000, will be allocated toward tax obligations.
The 1st TD loan of $4,500,000 with AXOS Bank is in good standing, with a 5.25% PITI rate and a monthly payment of $21,093, maturing in August 2052. The initial 5.25% rate is fixed through September 2027, after which it will adjust to a 6-month variable rate based on the SOFR index. The borrower plans to pay off the loan within 18 months through a combination of stock liquidation and/or refinance.
Property Description:
The SFR subject property, located in Woodside, CA, is a custom-built estate residence with a traditional, high-end architectural style, situated on approximately 3.86 acres. The main residence consists of roughly 6,549 SF of living space with 6 bedrooms and 5.2 bathrooms, in good, updated condition. The SFR features a spacious, functional layout with high ceilings, multiple living areas, and premium interior finishes, including remodeled kitchens and bathrooms, marble and stone surfaces, and quality craftsmanship throughout. Additional improvements include a 2,196 SF finished basement, a separate guest house totaling 3,000 SF, multiple garage spaces accommodating more than five vehicles, and outdoor amenities such as decks, patios, and landscaped grounds.
Woodside is widely regarded as a premier, high-end suburban enclave within Silicon Valley, known for its large estate parcels, privacy-oriented zoning, and limited housing supply. The area is highly desirable among technology executives, venture capital professionals, and entrepreneurs due to its close proximity to major employment hubs such as Menlo Park, Palo Alto, and Redwood City. Residents benefit from access to top-rated public and private schools in the Woodside and nearby Menlo Park/Palo Alto districts, as well as proximity to Stanford University. The area also offers an exceptional lifestyle, with upscale dining, boutique shopping, and well-known restaurants in downtown Woodside, Redwood City, and Palo Alto, along with extensive outdoor amenities including equestrian trails, open space preserves, and parks.
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- Seasoned Silicon Valley Tech Executive (ORACLE AND DELL)
- Desirable location for Tech Executives with limited supply of luxury estates
- 13.50% Investor Rate
- Low 52.50% LTV and 51.39% Net LTV
- 6 months Prepaid Interest
- 6 months Guaranteed Interest
