Private Money Lender

FAQs

What does Northern Roots Investments do?

We’re a local real estate investment company that acquires, renovates, and resells or rents properties. We focus on vetted, conservative deals that create predictable profits while protecting capital.

How does private lending with you work?

You fund a specific property or project, and we use those funds to purchase and improve the property. In return, you earn a fixed, agreed-upon return that’s paid at closing or over the loan term.

What kind of returns can lenders expect?

Returns vary by deal and term, but private lenders typically earn strong, fixed returns that are higher than traditional savings or CDs, while being backed by real estate. We discuss terms clearly upfront for each project.

How is my investment protected?

Your loan is secured by the property itself. We use:
• Written agreements
• Promissory notes
• Recorded liens or mortgages
• Title company closings

This means your funds are backed by tangible real estate, not unsecured risk.

What is your experience level?

We’ve been in the trenches for years and have completed dozens of fix-and-flips and hundreds of wholesale deals across all kinds of market conditions. We also stay sharp by investing in ongoing private training and elite mastermind groups, so we’re always improving our strategies and staying ahead of the curve. We’re very comfortable with creative deal structures and know how to spot opportunities others overlook. Most importantly, we’ve worked with many private lenders who consistently tell us they appreciate our clear communication, professionalism, and reliable follow-through — and that we deliver solid returns with healthy margins.

How do you choose which properties to buy?

We only purchase properties that make financial sense based on:
• below-market pricing
• strong resale or rental demand
• conservative repair estimates
• clear exit strategies

If we wouldn’t buy it ourselves, we don’t pursue it.

How long is my money tied up?

Most projects run 3–12 months, depending on whether it’s a flip or rental hold. Each deal has a clear timeline so you know what to expect before funding.

When and how do I get paid?

Payment terms are agreed upon in advance. Most lenders are paid:
• monthly interest payments, or
• a lump sum (principal + interest) at closing

All funds are processed through a title company or agreed-upon servicing method.

Do I have to manage anything?

No. We handle everything — acquisition, rehab, management, and sale. Your role is passive. You provide the capital, and we do the work.

Why partner with Northern Roots Investments?

Because we treat lenders like long-term partners, not one-time transactions. We prioritize clear communication, conservative underwriting, and protecting your principal first — consistent, repeatable deals are our goal.

Northern Roots Investments, LLC 2026

1515 Burnt Boat Dr, Ste C, PMB 124, Bismarck, ND 58503