SVB put a large portion of their assets in long term instruments like treasuries and MBS. 

Per their rules, you need to occupy the place as your personal residence within 60 days of closing on it.4155.1 4.B.2.b FHA Requirement for Establishing Owner OccupancyAt least one borrower must occupy the property and sign the securityinstrument and the mortgage note in order for the property to be consideredowner-occupied.FHA security instruments require a borrower to establish bona fide occupancyin a home as the borrower’s principal residence within 60 days of signing thesecurity instrument, with continued occupancy for at least one year.https://www.hud.gov/sites/docu...

A HELOC is best used as a short term debt instrument.

Hard money is a short term debt instrument that is not a substitute for a new investor not having cash.

Any suggestions on how to find a similar investment opportunity being a first position lender with a security instrument as a trust deed or a morgage?

That time period is 6 years in Georgia for activity on the account, which includes mortgages.However, banks have argued and have won that statue of limitations is 21 years because the security deed is a sealed instrument under Georgia law, which has a separate statute of limitations.https://scholar.google.com/scholar_case?

A crying shame.Respectfully,GaryWe are not nothing but a nation of laws.I was just reviewing a deal I am going to fund on 25 homes in Ohio and my client signed some sort of note that I had never heard of and is Unique to the state of OHIO and its the most lopsided one sided debt instrument I have seen in 45 years of doing this I was just astounded. gives all rights to the lender and totally punitive to the borrower.  

You will make mistakes initially; however, they will be instrumental in growing your investment portfolio.

My guess is that if you do call them they could have some sort of protocol that might trigger some of that investment paperwork... but as far as I know, mortgages are sort of “at that time” type of instruments.  

The fact that the interest rate that had the highest number of bids this year was 5% vs. 7% having the highest number of bids last year - proved out that investors were settling for lower rates in 2014 than 2013.Until interest rates start ticking up for other low risk instruments I think we'll see these low rates in tax liens.