Be the Bank: High-Yield Private Money Lending
Welcome to an exclusive investment opportunity with Robert Robotti, Janice Jay Holland, Ashley Robotti and Michael Amari of Be the Bank, a brand affiliate of BlueEleven Capital Corp, San Diego, CA. We offer our valued investors the opportunity to build their own premium portfolio of private money loans secured by high-value SoCal Real Estate and quality borrowers.
We invite you to place a minimum investment of $50,000 (up to $500,000) per loan. You, as a lender, always control your own funds and your own decisions. Most of our 2nd Mortgage Loans are in the $400,000 range and we combine 3-6 individual lenders, per loan for the full loan amount, with each lender earning between 10%-12% annual returns (payable monthly).
This is NOT a fund, and we never touch investor funds - everything flows through the Title Company and an independent Service Company Trust account. Your name is recorded as a Lender Lien on the property Title Report.
Larger, single lender investments are available for family offices and high net worth individuals ($500,000 to $3M), usually first mortgages.
Who We Are: Be the Bank
Our executive team has built a reputation for excellence in the private lending space, as well as in ownership and property management of over 100 multi-family and commercial assets nationwide.
Our loan portfolio consists of dozens and dozens of private lenders, many have been our clients for over 30 years. These lenders are from a wide variety of professional and entrepreneurial fields. They recognize our unique ability to access and underwrite quality loans that offer safe, short term and high yield returns. They sleep well, while their investment earns money every day.
The key to low risk tolerance is to offer low loan to value ratios on quality properties with a minimum equity cushion range of $400,000 to $1,000,000. Additionally, we underwrite each borrower's ability to repay, based on employment, cash flow and considerable net worth. Many of our borrowers own multiple properties.
Our Private Money Loan Portfolio
Loan Structure
We exclusively offer 12-month term, second mortgages on premium Southern California residential properties. This short duration allows for capital flexibility and low risk to market fluctuations, while maintaining strong yields.
Property Criteria
Our loans are secured by luxury homes valued between $1.5M and $3M, located in desirable Southern California neighborhoods with strong market stability and appreciation potential.
Risk Protection
We maintain conservative loan-to-value ratios between 50% and 65% cumulative debt, ensuring a substantial equity cushion of $400K to $2M per property. This conservative approach has resulted in zero foreclosures to date.
Our portfolio consists of carefully vetted second mortgages with substantial equity protection. Each loan undergoes rigorous underwriting to ensure it meets our strict criteria for property quality, borrower qualification, and collateral value. Most borrowers have a net worth exceeding $2,000,000. Specializing in 12-month 2nd mortgages on luxury Southern California properties, we provide investors with access to over $10M in premium loan opportunities monthly. Each loan is under strict servicing (payment) guidelines with one of the top loan servicing companies in So Cal. Our established track record features zero foreclosures and over $100,000,000 in funded loans, all backed by premium properties valued between $1.5M - $5M.
The Gap & The Market Opportunity
Traditional banks have left a significant gap in the luxury real estate lending market with their restrictive policies and lengthy approval processes.
In addition, many residential property owners have extremely low interest rates (sub 4%) and long term loans. Property owners recognize and prefer placing a comparatively small 2nd mortgage on their property, rather than refinance (and give up their low rate 1st mortgage). This gap has generated substantial demand for private money loans in the Southern California luxury sector.
High-net-worth borrowers are willing to pay premium rates for expedited, flexible financing solutions that traditional institutions will not provide. Many of our loans are made for business purposes, including acquisition of fix and flip properties or income properties, renovation of owned properties, business expansion or acquisition, etc. This creates an ideal environment for private lenders to secure above-market returns with strong collateral protection.
Risk Mitigation Strategies

Conservative LTV (loan to market value)
Maximum 65% cumulative debt (combines 1st and new 2nd Mortgage), average is below 61%
Rigorous Underwriting
Comprehensive property evaluation by multiple, experienced executives
Premium Locations
Stable Southern California residential markets
Portfolio Diversification
Small investments spread among multiple properties, lenders and borrowers
Our comprehensive risk management approach starts with conservative lending parameters. We never exceed 65% cumulative loan-to-value ratio, ensuring a minimum equity cushion range of $400K to $2,000,000, on every property in our portfolio.
Each loan undergoes rigorous underwriting, including detailed property valuation, borrower financial analysis, and market assessment. By focusing exclusively on premium Southern California locations and diversifying across multiple properties, we provide investors with multiple layers of protection.
Sample Portfolio Performance
10.8%
Average Annual Yield
Consistent returns over past 36 months
$108K
Annual Return on $1M
Based on historical performance
0%
Foreclosure Rate
Perfect performance record to date
Our portfolio has delivered remarkable consistency, with an average annual yield of 10.8% over the past three years. A $1M portfolio investment typically generates between $100K-$110K in annual returns, significantly outperforming traditional fixed-income investments.
Investors receive income distributions for their portfolio in one monthly payment combining all individual investments, creating attractive passive income streams. Most importantly, our current portfolio maintains a zero default rate, reflecting our commitment to rigorous underwriting standards and conservative lending practices.
Investment Structure for High Net Worth Investment Entity
Initial Commitment
Minimum $2M investment to develop a custom portfolio tailored to specific risk tolerance and return objectives.
Portfolio Development, Investor Choice os Assets
Monthly funding schedule to strategically build diversified holdings across multiple properties and borrowers, in premium locations.
Ongoing Management
Transparent reporting, servicing, and portfolio oversight with direct ownership of individual loan positions for maximum control.
Partnering with Be the Bank Lending Programs provides a turnkey investment solution with clear structure and full transparency. We facilitate direct ownership of individual loan and recorded positions (via Title Companies), ensuring investors maintain control over their portfolio while benefiting from our established systems and expertise.
Our flexible deployment schedule allows for strategic capital allocation based on your preferences and timeline, with comprehensive reporting to track performance and distributions. This is NOT a fund. Each investor makes their own choice of loans and allocations.
Sample Loan Investment…a make sense approach
Sample Transaction - Subject Property
Sherman Oaks, CA- single family residence, rental property. Estimated value $1,600,000. First mortgage is $700,000 with 3.2% interest, 30 year term. It is current. Credit exceeds 700. Rental income is $4500 per month.
Borrower Loan Request
Borrower seeks a $300,000 2nd mortgage. If granted, this will create a combined debt of $1,000,000 (700k + 300K). The $1M loan on $1.6M value creates a loan to value (LTV) of 62.5% and a $600,000 equity cushion.
Borrower Loan Purpose
Borrower wants the $300,000 loan to use as a down payment (with additional funds) to acquire a duplex, near his home. He supplied the escrow documents. Borrower provided loan application with his net worth.
Lenders Profile
Three lenders placed $100,000 each for a total loan of $300,000. Their names are recorded as co-lenders on the Property Title. They will earn 11% annul interest, payable monthly by the Servicing Company. It is a 12 month term.
Our executive team brings decades of private lending expertise, providing investors with both the knowledge and infrastructure to build substantial passive income streams. By partnering with Be the Bank Lending Programs, you gain immediate access to an established platform with proven success and these types of safe, high yield loan transactions. We invest personally in many of these loans.
Comparison: Private Money Loans vs. Traditional Investments
Private money loans offer significant advantages over traditional fixed-income investments. With yields of 10%-12% compared to typical bond returns of 3%-4%, our investment opportunity provides substantially higher income potential.
Unlike market-exposed investments, our loans are secured by tangible real estate with conservative loan-to-value ratios. The 12-month loan term provides flexibility compared to long-term commitments, while direct asset ownership ensures transparency and control not available in fund structures.
Next Steps: Building Your Portfolio
Initial Consultation
Schedule a portfolio strategy session to discuss your investment objectives and risk parameters.
Portfolio Design
Review sample loan packages and customize your investment criteria for optimal performance.
Implementation Timeline
Establish funding schedule and strategic deployment approach for your financial preferences.
Portfolio Management
Begin building your high-yield private money portfolio with ongoing performance tracking.
Getting started with Be the Bank Lending Programs is a straightforward process designed to ensure alignment with your investment goals. Our team will guide you through each step, from initial consultation to portfolio customization and implementation.
We invite you to schedule a portfolio strategy session to explore how our private money lending opportunity can enhance your investment returns while maintaining strong collateral protection through premium Southern California real estate.Examine
The Keys to Success
1
1
30 Year History
Many of our private lenders have been with us for over 30 years, they include doctors, accountants, entrepreneurs and retirees (and their families).
Constant Cash Flow
Monthly checks are sent by the 15th of each month with a complete portfolio report.
Simple Investment process
Sample loan packages and three page loan summaries describe all the underwriting done by our analysts for each transaction, with back-up documentation.
Build a Safe Portfolio
Begin building a passive, easy to understand and safe income in your investment portfolio
Take the first step toward building a high-performing private money loan portfolio backed by premium Southern California real estate. Our investment specialists are ready to provide detailed information and answer any questions about this exclusive opportunity. Contact Be the Bank Lending Program facilitators today to schedule your confidential consultation and discover how our private money lending strategy can enhance your investment performance.
Direct Contact to schedule a call:
Robert Robotti: rrobotti@icloud.com San Diego, CA.
Janice Jay Holland: JaniceJayHolland@gmail.com Los Angeles, CA