Welcome to the Family
Why work With Us?
Our clients choose to work with us because of the personalized approach we take to solving their business and financial investment needs.
We treat your investments as if they were our own, period. Because if you can’t sleep at night knowing your hard-earned money is safe, neither can we.
Flynn Family Lending offers two opportunities to invest passively:
- Lend2Live Private Debt Fund Participation – for accredited investors seeking consistent deployment of capital
- Whole Trust Deed Private Placement – for investors with $1M+ to invest in individual whole trust deed investments carefully chosen and underwritten by Flynn Family
Consistent, passive returns with the Lend2Live Private Debt Fund
The Lend2Live Private Debt Fund (“L2L Fund I LLC”) is an opportunity for passive investors to receive consistent and predictable quarterly returns without the speculation and high-risk associated with other investment vehicles. The L2L Fund I LLC is comprised of a portfolio of short-term, asset-based loans conservatively underwritten to achieve a high equity buffer protection with preservation of principal always top of mind.
By choosing to invest in the Lend2Live Private Debt Fund (“L2L Fund I”), accredited investors can access a secure investment option with stability especially valuable for those who desire a dependable income stream or wish to preserve their capital.
Lend2Live
Fund Advantages

Not all funds are created equally. Some private debt funds employ complex strategies for asset management and assume a higher level of risk to maximize profits, typically in favor of the Fund Manager(s). L2L Fund I LLC gives the “unfair” advantage to its LPs.
- Unparalleled Capital Preservation: At L2L Fund I LLC, we prioritize the protection of your capital by strictly adhering to a rigid set of lending guidelines. While some hard money funds may lend up to 80-90% of loan-to-value (LTV), our fund targets a conservative 65-70% LTV across its loan portfolio. This approach provides significant equity protection for our fund participants.
- Unlevered Protection: Unlike many private lenders who use institutional leverage to increase profitability, L2L Fund I LLC does not rely on leverage. By avoiding leverage, we minimize the risk exposure for our fund participants, as they are not subordinate to a credit facility and its associated risks that primarily benefit the fund manager.
Lend2Live Private Debt Fund
vs.
Whole Trust Deed Investments
Continuous Capital Deployment
With L2L Fund I LLC, you can enjoy a continuous deployment of capital, unlike whole trust deeds which are short-term and may leave your money idle, earning no interest while waiting for reinvestment opportunities.
Portfolio Diversification
L2L Fund I LLC offers diversification across our entire portfolio of business-purpose loans secured by residential and commercial real estate with significant equity buffer protection, providing you with a broader investment base compared to investing in individual trust deeds.
For more information, please visit our sister website, www.lend2live.com.
What Our Investors Say
Investor FAQs
In whole note investing, you are the only one named as the lender on the Promissory Note and Deed of Trust which secures your loan against real property. When you invest in a pooled mortgage fund, you are a fractional beneficiary with many other investors and it’s the actual fund which is named on the loan documents.
Unlike pooled funds, we like the security of having you, as the lender investor, individually named on the Deed of Trust which secures the loan for your benefit and is recorded with the County. In a mortgage pool, you never know what deals are being funded, exposing you to diminished returns if certain loans in your fund don’t perform well. Funds can also go bankrupt putting your investments at risk.
Mortgage pools are typically only available to accredited investors and require a specified minimum contribution and time commitment (up to 3+ years with some companies) while investing in whole notes with Flynn Family Lending can be done with as little as $75,000 and you are only committed to the duration of the loan terms.
We give you full control over which loan you decide to lend against. In order to make an informed and educated decision, we provide a loan overview with details about the loan rates, terms, and conditions, as well as information related to the real property (or properties, depending on the loan) used as collateral. This will include property condition and images, current and future valuations after rehab – if applicable, and comparison properties recently sold. Additionally, all loans are carefully scrutinized and underwritten by our team prior to being presented to you.
If you have questions about the loan, we will walk you through those and should you choose to pass on a particular loan, we will work to find a different deal that may suit your investment criteria better.
Each lender investor in our Flynn Family circle has unique investment needs and deal preferences. That said, we strive to understand what you individually need and desire out of your investments through us – loan size, position, collateral preferences, risk tolerance, etc. are all taken into consideration when we present you with a deal to review. Loans are not shared with multiple investors as we do not like creating a competitive environment amongst our lender investors.
Our pipeline of borrowers is strong and loan requests come in daily making it easy to find and fund deals for all our investors regardless of your deal or risk profile.
Private money, business loans are not just for credit-challenged borrowers as many would think. Most of our clients are real estate investors who desire quick, bridge loans to purchase and rehabilitate real estate. Since time is of the essence, these investors are willing to trade lower interest rates with the ability to fund fast and without a lot of paperwork.
We place greater emphasis on the borrower’ use of funds, equity buffer in their real property and exit strategy. While credit-worthiness is important, real estate backed loans are only as good as the loan amount against the market value of the property – also known as loan-to-value. Therefore, if you are lending against a property that is worth $400,000 and the loan amount is only $100,000, the loan-to-value (LTV) is only 25% – leaving you with 75% of the property’s value ($300,000) as protection against default.