Loan Summary
Successful repeat Mortgage Vintage borrower, President/Owner of a downtown San Diego family law practice and experienced real estate investor, sought a 1st Trust Deed business-purpose cash-out refinance secured by 106.16 acres of land located in the heart of Temecula’s Wine Country, approximately 13 minutes east of downtown Temecula in Riverside County, CA. The borrower inherited the property. Loan proceeds will be used to pay off an existing $1.4MM Mortgage Vintage 1st TD (in good standing), with the remaining funds allocated toward ongoing carrying and entitlement costs. These funds will advance the property through final map approval and position it as shovel-ready for acquisition by a developer. The property currently has Tentative Map approval (TM No. 38744) for the development of five contiguous residential parcels intended for single-family home construction.
The loan offers 18 months of prepaid interest and provides investors with $6,821,250 in net protective equity based on a new $8,500,000 “As Is” appraisal.
Property Description
The subject property is very well located with considerable street frontage along high traffic Anza Road in the heart of Temecula wine country, surrounded by popular wineries, near the Temeku Hills Golf and Country Club, near downtown Temecula, Pechanga Casino Resort and Lake Skinner. The subject property consists of a vacant 106.16-acre land parcel (4,624,329 square feet).
The property is zoned R-A (Residential Agricultural). Utilities are available and considered good. The property is located in Flood Zone X500, where flood insurance is not required. No adverse easements or encroachments were noted at the time of evaluation. The concluded market value as of February 10, 2026, is $8,500,000, reflecting approximately $80,100 per acre. The subject property is well served by the Interstate 15, Interstate 215 and California State Route 79. (Winchester Road to the northeast and Temecula Parkway to the southeast).
What we like about this Trust Deed opportunity:
- Successful repeat MVI borrower, professional business owner and real estate investor
- Temecula centrally located wine country subject property
- Low 25.00% LTV, 19.75% Net LTV on Recent Appraised Value
- 12.75% Annualized Investor Return
- 6 months Guaranteed Interest
- 18 months Prepaid Interest
- $6,821,250 net protective equity to investors
