Small Loans,Promissory Notes ,Usury

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I notice a lot of posts from people who need small loans(under $50k) for rehab projects that will usually be paid off in less than a year. Other then a second mortgage as security what can you use to be able to make 20-25% return without running foul of usury laws .In Nevada there are no usury laws per say ,but California seems to cap many loans at 10% .I know you can do a JV deal without problems but how would you secure your loan to the property in question without any illegal tactics ?