14% APY
- 12 MONTH NOTE
- Offered at $2,740,000 65% CLTV
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Prestigious gated community Royal Oaks Colony estate
Positioned within the prestigious gated enclave of Royal Oaks Colony in Encino, this grand Mediterranean estate combines impressive scale, timeless architecture, and refined luxury across approximately 10,500 square feet on 1.20 acres with scenic mountain views, offering five bedrooms, eight bathrooms, and a private tennis court. Extensively upgraded with bespoke finishes, elegant marble and hardwood flooring, a custom gourmet kitchen, expansive entertaining spaces, and beautifully landscaped grounds, the residence is complemented by one of Encino’s most sought-after addresses, where privacy, security, and exceptional convenience define an elevated lifestyle.
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prestigious estate
Positioned within the exclusive gated enclave of Royal Oaks Colony, this custom Mediterranean estate spans approximately 10,000 square feet on 1.20 acres with scenic mountain views. Offering five bedrooms, eight bathrooms, expansive entertaining spaces, and a private tennis court, the residence combines timeless architecture with extensive upgrades, refined finishes, and one of Encino’s most desirable luxury addresses.
exceptional upgrades
Originally completed in 1991, the home has been thoughtfully enhanced with a newer clay tile roof, refreshed stucco exterior, a custom gourmet kitchen, remodeled bathrooms, elegant marble and hardwood flooring, premium fixtures, and bespoke finishes throughout. Six fireplaces, covered patios, mature landscaping, and a spacious loft addition further elevate the property’s appeal for luxury buyers.
strong loan structure
The offering is secured by a vacant luxury estate and benefits from a conservative capital structure designed to prioritize investor protection. With the existing first trust deed current and in good standing, a low overall leverage profile, and a clearly defined exit strategy through the planned sale of the property, the transaction presents a well-positioned opportunity backed by substantial equity and premium real estate collateral.
compelling investment
Supported by both an independent appraisal and appraisal review concluding an As Is Market Value of $8,305,000, this offering is structured at approximately 65% CLTV with more than $3 million in remaining investor equity after satisfying the existing first trust deed, new second trust deed, and estimated mansion tax obligation.
income opportunity
The investment delivers a 14.00% investor rate through five months of prepaid interest and six months of guaranteed interest, creating immediate income while the borrower pursues a planned sale. The existing first trust deed remains current and in good standing with a low fixed 2.00% interest rate maturing in November 2046.
sale strategy
Currently listed at $8,495,000 and receiving consistent weekly showings, the property is actively being marketed while loan proceeds fund targeted cosmetic improvements intended to maximize buyer interest and strengthen purchase offers. The borrower has already received offers near $8 million and anticipates completing the loan payoff through the property’s sale.
experienced borrower
The borrower is a long-established Southern California endodontist with nearly five decades of professional success and a history of owning respected specialty dental practices, including Beverly Hills Dental Specialists. The refinance is structured as a business-purpose loan to retire an existing second trust deed while positioning the estate for a successful luxury-market sale.
PREMIER LOCATION
Royal Oaks Colony is recognized as one of Encino’s most prestigious gated communities, known for estate-sized residences, tree-lined streets, exceptional privacy, and executive-caliber security. Residents enjoy immediate access to Ventura Boulevard’s acclaimed dining, upscale shopping, private schools, country clubs, premier medical facilities, and convenient connectivity to the Westside and Beverly Hills.
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