generally mature under five year, but many loans are two years or even less than that. Professional real estate investors are taking advantage of the current economic climate. They are buying properties at the low foreclosure prices and then fixing them up and selling them for a sizable profit. The real estate professionals do have their work cut out for them though. They must have a sound understanding of the market and climate, as well as make good decisions regarding the property after its purchase. They also need the startup capital to purchase in the first place. Because the homes are generally already foreclosed, and many times are not “move-in ready” along with the risk factors of selling it in the future, banks are unlikely to lend. That is where the trust deed investor comes in. They lend to the borrower, charging high interest rates because essentially the borrower has nowhere else to go, but also because they are expecting a high return of 20-50% so they believe they can afford it. The investor makes money through the monthly payments on the initial capital as well as the interest rates until the loan is paid off.