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Terms & Conditions

My Investor Loans is operated by Simply Creative Properties LLC ("My Investor Loans," "we," "us," or "our"), 202 N Cedar Ave, Suite 1, Owatonna, MN 55060. These Terms & Conditions ("Terms") govern your access to and use of myinvestorloans.com (the "Site") and the services offered through it (the "Service"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. What My Investor Loans Is — and Is Not

My Investor Loans is a lead generation marketplace. We connect real estate investors seeking business-purpose financing ("Borrowers") with private lenders and capital sources ("Lenders") who may be interested in funding those requests.

We are not a lender, mortgage broker, loan originator, financial advisor, or loan servicer. We are not a party to any loan, financing agreement, or negotiation between a Borrower and a Lender. We do not underwrite, approve, deny, negotiate, arrange, service, or guarantee any loan or financing of any kind. We do not set, quote, or influence interest rates, fees, or loan terms. All financing discussions, negotiations, and agreements happen directly and exclusively between a Borrower and a Lender, off-platform, through their own means of communication (phone, text, email, or otherwise). My Investor Loans has no role in, and no liability for, any loan transaction that may or may not result from a connection made through the Site.

Affiliate disclosure: My Investor Loans is affiliated with Moose's Money (operated by Simply Creative Properties LLC), a private lending business. Moose's Money may purchase leads through this marketplace on the same terms, and subject to the same pricing and exclusivity rules, as any other Lender.

2. Eligibility and Permitted Use

The Service is intended solely for business-purpose financing requests secured by non-owner-occupied real estate — for example, fix-and-flip, DSCR, bridge, ground-up construction, multifamily, and commercial investment financing. The Service is not intended for personal, family, or household loan requests, and is not a consumer lending platform. By posting a request, a Borrower certifies that it is for a qualifying business purpose.

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using the Site, you represent that you meet these requirements and that all information you provide is accurate to the best of your knowledge.

3. How the Marketplace Works

Posting a request (Borrowers). Borrowers may post a loan request at no cost. Certain deal details (loan type, amount, purpose, credit score, property type, state, value, ARV, investor experience, timeline, and a written description) are displayed publicly to all site visitors once a request is approved. Certain details (the Borrower's name, phone number, email address, and full property address — "Sealed Information") are never displayed publicly and are released only to the Lender who purchases that specific request.

Verification. We verify a Borrower's phone number and email address at the time an account is created (which happens automatically as the final step of posting a request). We do not independently verify any other information a Borrower submits — including credit score, deal terms, property details, or the written description. Lenders are solely responsible for independently verifying any information before relying on it or extending any financing.

Moderation. Every request is reviewed by us before it appears publicly. We may approve, reject, or later mark a request as expired at our sole discretion, for any reason or no reason, including concerns about accuracy, completeness, or suspected fraud.

Purchasing a lead (Lenders). Lenders may purchase exclusive access to a Borrower's Sealed Information for a flat fee of $50.00 USD per lead, processed through our third-party payment processor. A request is removed from the marketplace the moment the first payment for it is confirmed. Except as described in Section 4 below (simultaneous purchases), each request is sold to exactly one Lender.

Borrower deletion rights. A Borrower may delete their own request at any time while it is pending review or live and unsold. Once a request has been purchased by a Lender, it can no longer be self-deleted through the Site — the Lender has already received and paid for that information. A Borrower seeking removal of their information after a sale may contact us directly (Section 12); we will evaluate such requests consistent with our Privacy Policy and applicable law.

4. Exclusivity and Simultaneous Purchases

We design the Service so that each request is purchased by one Lender. However, due to the technical nature of real-time payment processing, it is possible — though rare — for two Lenders' payments to complete within moments of each other before the marketplace can update. In that event, both purchasing Lenders will receive the Sealed Information in full, and no refund will be issued to either Lender on that basis. By purchasing a lead, each Lender acknowledges and accepts this possibility.

5. Payments and Fees — ALL SALES FINAL, NO REFUNDS

There is no fee to post a request as a Borrower.

All lead purchases by Lenders are final and non-refundable, without exception, including but not limited to situations where:

  • the Borrower does not respond, is unreachable, or provides inaccurate information;
  • the deal does not close, fund, or proceed for any reason;
  • the Lender changes its mind, determines the deal is not a fit, or made a purchasing error;
  • a simultaneous purchase occurs as described in Section 4 above.

We do not offer credits, replacements, or partial refunds for any lead purchase. Payments are processed by a third-party payment processor (currently Stripe); we do not store full payment card information.

6. No Guarantee of Funding or Outcome

Purchasing access to a Borrower's contact information is not, and should never be understood as, a guarantee that any loan will be offered, negotiated, closed, or funded. My Investor Loans makes no representation or warranty — express or implied — about:

  • the accuracy, completeness, or truthfulness of any Borrower-submitted information beyond the verified phone number and email address;
  • a Borrower's creditworthiness, ability to close, or intent to proceed;
  • whether any contact attempt by a Lender will be successful;
  • whether any financing will ultimately be made, negotiated, closed, or funded.

The entire outcome of any connection made through the Site — including whether a loan happens at all — is determined solely by the Borrower and Lender, independently of My Investor Loans, through their own direct communication and negotiation.

7. Borrower Consent to Be Contacted

By submitting a loan request, a Borrower expressly consents to be contacted by the Lender that purchases that request — by phone, text message (SMS), and email, including through automated dialing or messaging technology — at the phone number and email address the Borrower provided. This consent is not a condition of using any product or service and may be governed by the federal Telephone Consumer Protection Act (TCPA) and similar state laws. A Borrower may withdraw consent to future contact directly with the Lender who purchased their request; withdrawing consent does not affect, delete, or refund a completed purchase.

8. Lender Obligations

Lenders are solely responsible for: conducting their own underwriting, diligence, and verification of any Borrower and deal before extending credit; complying with all applicable federal, state, and local laws governing their lending, marketing, and communication practices, including TCPA, applicable state lending and licensing laws, and fair lending laws; and using Sealed Information only for the purpose of evaluating and pursuing the specific financing request purchased — not for resale, unrelated marketing, or any other purpose.

9. Prohibited Conduct

You agree not to: submit false, fraudulent, or misleading information in a loan request; use automated means (scraping, bots, etc.) to collect data from the Site; attempt to circumvent the exclusivity mechanism (e.g., purchasing a lead on behalf of, or to resell to, another party); harass, deceive, or make unauthorized contact with a Borrower or Lender outside the scope of a legitimately purchased request; or use the Site for any unlawful purpose.

We reserve the right to suspend or terminate any account, reject any posting, and refuse service to anyone, at our sole discretion.

10. Intellectual Property

The Site, its design, branding, and underlying software are owned by Simply Creative Properties LLC and protected by applicable intellectual property laws. Borrower-submitted deal descriptions remain the Borrower's content, but by posting, the Borrower grants us a license to display that content on the Site as described in these Terms.

11. Disclaimers and Limitation of Liability

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. To the maximum extent permitted by law, My Investor Loans and Simply Creative Properties LLC disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement, and are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or Service, including any loan that does or does not result from a connection made through it.

12. Contact, Privacy Requests, and Changes to These Terms

Questions about these Terms, or requests regarding your information, can be sent to mark@myinvestorloans.com. Our handling of personal information is further described in our Privacy Policy.

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms. We will update the "Last updated" date below when changes are made.

13. Governing Law

These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in Minnesota.

Last updated: October 2, 2026. See also our Privacy Policy and Refund Policy.