Not every mortgage is held by a traditional bank. There are a number of extenuating circumstances where banks won’t make loans to solid borrowers so borrowers need to find other alternatives. In these cases, there are private money lenders who will make these loans. Retail investors who are looking for yield can invest with these lenders who make loans to the end borrower. In doing so, these retail investors get a conservative and attractive monthly return on their money. Pacific Private money, a lender based in the San Francisco Bay Area, has several loan funds that loans money to end borrowers that you can invest in and get a 7%-9% return on your money.