SD-IRA · Solo 401(k) · Personal Capital

Your Retirement
Money Can Work
Much Harder.

Earn 8–10% annually secured by California real estate — directly inside your Self-Directed IRA. No stock market. No Wall Street. Just hard assets and real returns.

Reserve Your Spot →
8–10%
Preferred Annual Return
Paid at maturity or monthly depending on deal structure
1st
Lien Position
Every investment secured by a recorded deed of trust on California real property
65%
Max LTV
Conservative underwriting — substantial equity cushion on every loan
$100k
Minimum Investment
IRA, Solo 401(k), or personal funds — accredited investors only
🔒
Every investment is secured by a first-position deed of trust on California real property. If a borrower defaults, the lender has the right to foreclose and recover from the asset.
01
How It Works
Step 01
Join the Waitlist
Fill out the form. No commitment, no money moves. You are placed on our priority list for upcoming deal opportunities.
Step 02
Deal Becomes Available
When a qualifying loan is ready to fund, waitlist investors are notified first with full deal details — property, borrower, LTV, and exact terms.
Step 03
Review, Sign & Fund
You review the promissory note and investment documents. Your custodian wires directly from your IRA to Xcel Funding LLC. You never touch the money.
Step 04
Earn Tax-Advantaged
Returns flow back into your IRA — tax-deferred (Traditional) or tax-free (Roth). At loan maturity, principal and interest return in full.
Investment Terms
What to Expect on Every Deal
Preferred Return 8 – 10% APR
Security 1st Position Deed of Trust
Loan Term 6 – 18 Months
Maximum LTV 65 – 75%
Minimum Investment 0,000
Eligible Accounts SD-IRA · Solo 401(k) · Personal
Investor Requirement Accredited Only
Priority Waitlist

Be First in Line When a Deal Opens

Capital opportunities fill quickly. Waitlist members are contacted before the general public. No commitment, no cost — just first access.

No obligation — joining the waitlist does not commit your capital to anything
First access — waitlist members see deals before they are offered publicly
IRA-friendly — we work with all major SD-IRA custodians and can guide the process
Operated by Brian Paris — NMLS #863054, 14+ years origination experience, Top 1% nationally
Reserve Your Spot
No commitment. Accredited investors only.
Xcel Funding LLC · CFL Lic. #60DBO-202689 · NMLS #2681028
✓
You're on the List.

We'll reach out personally when a deal becomes available.

Questions? Email us at
info@xfllc.com