Private Real Estate Lending · Southern Arizona
JJJ Capital connects select investors with carefully vetted private lending opportunities focused in Southern Arizona. Real estate-backed loans and short-term bridge financing, structured to preserve capital and generate attractive returns.
A transparent, step-by-step process from deal evaluation to investor returns.
Every loan begins with a thorough review of the builder, the property, the construction budget, projected value, and market conditions.
When a project qualifies, our investor pool is notified via email. The complete investment package is posted on our website for review.
JJJ Capital invests a minimum 10% of every loan and conducts regular on-site inspections, verifying progress before each draw.
Interest accrues from each funded draw. Monthly payments are collected by the account servicing company and distributed to each investor.
Now Funding
3821 W Cayton Mountain Dr, Marana, AZ
Custom Home in Gated Dove Mountain Community
Investor Rate: 10.25%
Three principals with combined 60+ years in real estate, private lending, and investor relations.
Operations & Investor Experience
Underwriting & Loan Placement
Investor Relations & Strategy
For Investors
JJJ Capital LLC specializes in short-term, asset-secured real estate loans, providing accredited investors access to consistent, above-market returns backed by tangible collateral. Private lenders fill a critical gap left by traditional banks — moving faster, offering more flexible terms, and providing access to opportunities that generate higher returns for investors.
Every loan is secured by real estate collateral. Investors are named on the Deed of Trust and Promissory Note, providing a recorded lien on the property.
Investors are paid first in all distributions — interest payments, payoff proceeds, and liquidation of collateral. JJJ Capital receives its allocation second.
JJJ Capital and/or its members invest a minimum 10% of every loan alongside investors, ensuring shared risk and aligned incentives.
Monthly interest payments are collected by a third-party account servicing company and immediately disbursed to each investor.
All funds flow through an independent, third-party account servicing company. JJJ Capital never holds investor funds.
Investors receive 90% of all late fees collected from borrowers beyond the 7-day grace period, providing additional return in delinquent scenarios.
Complete transparency into every loan — upcoming, current, and closed. All loans are secured by real property in Southern Arizona.
3821 W Cayton Mountain Dr, Marana, AZ
Custom Home in Gated Dove Mountain Community
Investor Rate: 10.25%
11750 N Camino de Oeste, Marana, AZ
Custom Home Construction
Investor Rate: 11%
3220 N Edith Place, Nogales, AZ
Custom Home Construction
6701 S Renaissance Dr, Tucson, AZ
2nd Draw — TBD
11201 E Hash Knife Circle, Tucson, AZ 85749
First lien position. Property valued at $750,000.
325 W University Blvd / 735 Alder Ave, Tucson, AZ
Multiple residential and commercial buildings.
11790 N Migitty Lane, Marana, AZ
Home was listed at $950,000.
13763 E Windy Way, Vail, AZ 85641
Home sold for $499,000.
13777 E Windy Way, Vail, AZ 85641
Home sold for $465,000.
No delinquent loans at this time.
For many homebuilders, obtaining a construction loan from a traditional bank can be a tedious, frustrating, and time-consuming process — often not worth the effort. JJJ Capital fills this gap by providing a more efficient and flexible private lending alternative.
When a builder approaches JJJ Capital for a construction loan, we conduct a thorough review of both the builder and the proposed project. This includes the builder's experience and track record, details of the subject property and surrounding neighborhood, home size and construction plans, construction budget and draw schedule, projected home value upon completion, and desired loan term (typically 12–18 months).
If, after review, JJJ Capital determines that the project is a suitable lending opportunity, it will notify its investor pool via email of the upcoming private lending opportunity. The complete investment package will be available for investors to review on this website.
For every loan, JJJ Capital participates with a minimum 10% investment of the total loan amount. JJJ Capital also oversees the loan throughout its duration, which includes conducting regular on-site inspections during construction and verifying progress before each builder-requested draw to ensure work aligns with the construction schedule.
When an investor chooses to participate, the investor sends funds directly to the title company. This ensures that each investor is named on both the Deed of Trust and the Promissory Note for their respective share of the investment, with JJJ Capital named as the ownership of interest for the remaining undistributed loan amount. If new investors participate in subsequent draws, they will be assigned a proportional share of the Deed of Trust and Promissory Note to reflect their contribution.
On the monthly anniversary of the initial loan funding (first draw), the builder makes interest payments to the account servicing company. This servicing company collects payments from the builder and distributes each investor's share of the interest accordingly. Investors continue to receive monthly interest payments until the loan is fully repaid — either through the sale of the completed home or a refinance with another lender. When the loan is paid off in full, the account servicing company disburses the investor's principal and any final interest owed directly to the investor.
Operations & Investor Experience
Jamie Argueta has been involved in real estate for over 30 years. He was a real estate developer in Southern Arizona for over 20 years, directly managing master-planned communities, residential subdivisions, custom lot subdivisions, and commercial properties from raw land to builder-ready. He has negotiated over $60M in land sales to builders and commercial developers in Southern Arizona. Jamie is focused on the private lending opportunity systems to ensure the investor experience is optimized and every investor is informed before and after the loan opportunity process.
As a licensed mortgage loan originator over the past 5 years, Jamie has originated over $150 million in mortgages.
Underwriting & Loan Placement
John Rallis has been lending for over 20 years and exclusively in private lending for the last 16 years. John has placed over 1,400 hard money loans totaling well over $250,000,000. In addition, John currently owns nearly 30 rentals in Tucson, AZ. John has extensive experience in property evaluation and market analysis. His ability to assess risk and negotiate terms with borrowers are vital aspects in underwriting any loan prospect.
Investor Relations & Strategy
John Entz has been a real estate investor in Illinois, California, and Arizona over the course of the last 10 years. He has spent most of his career in television sports management working with a variety of sports networks. John is focused on investor relations and strategy.