Private investors are now having  more confidence to lend therefore on http://www.lendinguniverse.com commercial lenders are again purchasing leads marked at 65% or less. Market valuation of real properties in Santa Rosa California is very much at 6 years low of $339,000. Those properties that range in price of $610,200 and more are selling at more discounts in part of city.   

Only few months ago no one would go over 50%-55% LTV on SFR however in drastic change of view and optimism of stability in prices more and more investors are seeking the security and high return associated with  investing in equity trust deeds. This is generally only true to non owner occupied and commercial loans. Owner occupied properties are not welcomed by investors and private lenders because of new regulations that make it extremely hard to lend and potentially exposing investors to legal challenge.