How do I work with a Hard Money Mortgage Lender

Hard Money Mortgage LenderHard Money Mortgage Lender

In the world of poor credit for investors the best choice is to work with a Hard Money Mortgage Lender. Using a Hard Money Mortgage Lender makes it so that the opportunity to invest is based more on the Asset’s Equity than your credit score. Hard Money Loans are a good way to get a property purchased and ready for rehab or renting on short term finance.

There are many that don’t want to live according to their credit score and using a Hard Money Mortgage Lender is a great way to do just that.

Where do you find a Hard Money Mortgage Lender

They say Google is everyone’s friend. It sure can be.

When used properly, Google can get you to the right company. Be aware though that google can also take you to lead generation sites that are marketers looking to sell your information to actual brokers making it a deal where there is more than one or two people involved. It could mean you’re paying a higher price to get that Private Money or Hard Money Loan.

Hard Money Mortgage Lenders have generally higher interest rates and are more willing to look at the property that you’re looking to finance rather than you.

It is a good idea however to do your best to put your best foot forward.

Hard Money Mortgage LenderMake a good impression with your Hard Money Mortgage Lender

When reaching out to a Hard Money Mortgage Lender, take note that they may want to check income and credit just to be sure they can qualify you a bot more than usual.

Even with our Private Lending Group, we’ve found that making sure someone can actually afford the payments has made a great difference in the amount of defaults with self employed investors. It’s not that we don’t want to lend, it’s that we don’t want to take back properties. It’s a long and arduous process no matter what state you live in and it’s just better business to be prepared to handle the cost of money into your formula for success.

Make sure if you do have challenged credit you have a Letter of Explanation and if you don’t have trackable income, be prepared to have longer conversations or to be passed on when it comes to lending. Many Hard Money Mortgage Lender are now following the path of checking on the borrower a bit more. It makes it safer for all sides. Protecting the borrower and the investor/lender.

If you want to learn more you can always reach out to us via the number on the website, or click here to apply for a Hard Money Mortgage Loan.

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How Hard Money Can Make You Killer Profit

Hard Money

Hard Money as a Profit Maker

Using Hard Money as a Profit Maker is fairly easy. It’s running the numbers so it makes sense that isn’t.

If you haven’t gotten a mentor to help you or don’t have calculators, (which by now you should have searched out online; there is a ton of them) you’re shooting blind and your profits will get eaten up quickly.

And it’s not just about running numbers on a calculator either. It’s about knowing your risk and how much you are going to make on the back end.

What’s a good “rule of thumb” for Hard Money

A good rule of thumb as far as profit margins should be about a net of 30% or a cap rate that gives you a good spread on your investment. (GREEK ANYONE?)

Let me explain:

30% net profit is what you have left after paying off your finance and equity partners and counting all costs involved in the transaction of securing the property. The rest of the costs (Title, escrow, commissions if any, other miscellaneous costs) would probably bring you down to about 20% or so. This is really more for rehabbers.

Hard Money

Become a Private Lender

On the buy & Hold side, many look only at the return of a deal rather than the risk. Beware! Just because it says there’s a cap rate of 12%, doesn’t mean that’s what you’ll end up with in cash flow. Using Hard Money is a great way to leverage risk off of you, however it can hurt you as well if you’re not careful on figuring out risk in an investment. (if you’re not sure how to figure on that, we’d be happy to discuss your project and see whether or not you are looking at a viable deal.

Your biggest challenge is to be sure you have something that has a great return after paying expenses, not just great returns.

Know your Hard Money Lender

I see a lot of newbies calling around and asking the same questions as if it’s on the lender that they have to prove their worth working with. (I always get a chuckle out of that) Hard Money Lenders are there to serve you, sure. Remember too though, that they are more like a partner than just your servant. You’re going to have to qualify with them too. And if you don’t know how to figure out the above, it won’t matter how good a lender they are, you’re not getting that Hard Money anytime soon.

Invest in education. It’s a good thing, however, don’t just take that “guru’s” advice and goo out and qualify the lenders, qualify your deals.

When you have a good deal with low risk and great return, you’ll have money knockin on your door. Hard Money that is.

Apply for your Hard Money Loan by Clicking Here

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Invest Now with Private Money Loans to Back You

loan app approved

Private Money Loans are still very much available

Living in San Diego which just became the most exclusive place to live per the UT San Diego (click here for article), doesn’t have to be a challenge. Most investors know that if they can secure a good deal on an investment property there is such an influx of people coming to live in San Diego that it’s very possible to find a cash flowing property. Most investors are wary when the cost of acquisition gets to be in the higher amounts. The savvy ones know to work their numbers just right so they can gain a good cap rate and recover investment quickly.

San Diego has long been a very coveted area for living alone. Now it’s become a great place to hunt for a good deal and get a cash flowing property online in their portfolio. With foreclosure rates lowering one may think that finding a “good deal” is not as possible. From our contacts in the region, that just isn’t true. There are still deals available on the market. You might have to dig a bit, but they are there.

When it gets expensive, Private Money Loans are a great way to go

Offsetting up front monies by using Private Money Loans is a great strategy that many investors use. In the San Diego Market it makes even more sense to use Private Money Loans to get the deal done. It lessens the layout of the investor up front, and in the long run can allow an investor to be looking for other opportunities.

Another advantage of using Private Money Loans is the ability to increase equitable profit on the back end if you’re planning on fixing and flipping. Because you’re paying Interest only in most cases, even though you aren’t paying down principle, you are looking to the profit on the sale. (hopefully you’ve made your money when you inked the sales contract and aren’t hoping for profit on the back end)

Private Money Loans allow Investors such as yourself to increase your net worth faster and in a market like San Diego, using Private Money Loans are a definite way to increase your net worth. (On paper, you’re the owner you can claim the worth)

Private Money Loans are available

Private Lending Group is currently working with private investors that want to lend in the San Diego area and we are at the ready to take your application and get your funding. We can lend up to 65% of LTC (purchase price and repair). We have conventional programs that can help as well if your credit is good enough. (call to find out how to qualify for that program) Those can go as high as 75% LTV (Actual Loan to Value)

Call today to find out how you can qualify your prospective property for a Private Money Loan.


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Private Money is Still Thriving? Yep.

Private Money Lender

Private Money Lenders are Still Looking for Good Opportunities

Private Money Lenders are still getting involved in great numbers and helping active investors make their numbers investing in Real Estate. With the number of loan requests we are seeing coming through Private Lending Groups, It is no doubt a great time to be applying for financing for active projects. Whether fix & Flip, or Buy and Hold, it is a good time to get things in order so that once you have a project ready to go that finance is in place to move.

Winter proves to be a challenge. Especially this year. Yet, we’ve seen people working through opportunities and creating deals. Whether searching out deals or creating them, Active investors need to know that Private Investors are sitting on the sidelines waiting for good deals to come through and be presented. Active Investors have the added advantage of saying a specific word that means so much….the word is…


Private Money Lenders can say no too…Just like you

As an investor, you have the power to take and make a deal, or refuse it and let it go to the next potential investor or home owner. The fact is that you have a great advantage in any market if you remember this because the next deal will not fly at you. It will walk and present itself carefully and try to sell itself to you the right way, and you can still say NO. That’s the power of being an investor.

Private Money Lenders have that same power. How you can entice them is by bringing them a great deal. Not 80%LTV. Most Private Lenders shake their heads and face palm when someone comes with nothing down and expecting to just get money for a “deal”. So, when you’re thinking that wonderful thought, “THIS IS AN AWESOME DEAL! ANYONE WOULD TAKE THIS!!” stop, step back, take a second and really review your Maximum Offer and start working backwards and get your profit in mind and in line.

The bottom line with Private Money Lenders

IF you’re going to bring a “deal” to Private Money Lenders, make sure you’re making at least 30% Net on your profit. Run your MAO to include the discount, the cost of rehab and the cost of holding cash (Financing) If you do that you’ll know where to place your asking price, you’ll know better too how well you can actually net a better cap rate or cap gain. Don’t miss out on the profit just so you can get the deal. You can be right, and be broke. Be correct and say yes to the right opportunity and you’ll find it a lot easier to have a Private Money Lender say yes to you.

We are here and ready to work with you, your investments are on the line. Don’t miss out. Get on it and get at it!

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Private Money is Still Going Strong


Private Money hasn’t slowed down

And it doesn’t look like it’s going to any time soon…

REAIFACON blows it up for Private Money

We recently attended the REIFACON(Real Estate Investment and Funding Association) and the NABM(National Association of Mortgage Brokers) shows. What we found is that Private Money is needed now more than ever.

At REIFACON, we found that Private Money Lenders are needed now for development deals not just rehabs and buy and holds. Crowd funding is getting into this space too now for Private Money lending. This is big news due to the fact that the term Crowd funding is still not a good term by government standards. That said, although the terminology may not say that it is just that, the term Private Money is definitely involved and investors are getting great returns on their investments. Everything is done legally through the right filings and the right legal and financial instruments to set up and protect all sides of any loan made. The great thing about this is that now there is another means to invest in secured collateral and gain a return that is far greater than what the banks are giving.

NAMB Shows that Private Money is going strong

NAMB was a total blast. We learned about a lot of good things happening within the conventional realm and found something really interesting; Private Money. There were two commercial lenders that were sponsors and spoke in the breakout sessions. They talked about how banks are still turning down loans for numerous reasons. Policy Lending Limits, Legal Lending Limits, Committee refusals, loan officers not able to figure out how to structure,  Geographical Limits, etc, etc, etc.

We found one Private Money lender that was also there doing their presentation on Private Money Lending and how any conventional brokers could increase their revenue by helping others that don’t qualify on Credit. We found this extremely interesting as we have an affiliate program that allows non licensed people to become Commercial Loan Consultants in states that allow it. Click here to find out more if you’re interested in becoming a Private Money Consultant.

Private Money still has a lot of traction in the marketplace

What it really means is there’s still a TON of opportunity to get a Private Money loan for your projects. All you have to do to start the process is get to our Application page here, and apply, or click on the image at the end of the article.

Here’s where you benefit on using a Private Money Loan: You don’t have to worry about your credit driving the loan, that’s on the property and as long as there’s enough equity between the purchase price and repair and the after repair value there should be an ability to structure a Private Money Loan for your next project. We work with many that have challenged credit. the great thing about using Private Money is that you as the borrower don’t have something reporting on your credit report if something does happen to go wrong. Credit may drive an interest rate but not the total loan.

The exciting news is that you can get deals done from development to rehab to buy and hold. Don’t hold yourselves up, apply for your next Private Money Loan here, or click on the image to apply there.

Private Money

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Cherry Pickers Are Everywhere

Cherry Pickers abound in the Hard Money Realm

Applied for a Hard Money Loan

Last month a borrower challenged us to match another lender that was offering 100% Purchase price and repair. Funny from the Hard Money lenders we knew, and we know a lot of them, this was a seemingly easy challenge. We blessed them and sent them on their way. Funny thing, they called back later saying for some reason the deal fell through.

After some questions about their opportunity they were working on, it was clear they had been “sucked in” to the 100% LTV marketing ploy. It’s great to bring borrowers to apply for a Hard Money Loan. Gets the phone ringing for sure. Gets a lot of applications onto the table. Then it begins.

The Hard Money Lender starts looking through the deals and finding the best ones and sending out approvals for them and apologies for the others that they can’t help them at this time. It can be REALLY frustrating when applying for a Hard Money Loan and not getting it and not ever really knowing why.

So what is the deal with this Hard Money Loan?

Ok, so you applied, you got the response that you didn’t want from the Hard Money Lender, why?

When they are good at marketing, they end up with first pick of all the borrowers out there by building their hopes and getting everyone to apply with them. Great problem to have for the Hard Money Lender, no so great when they start looking for the best deals; otherwise known as “cherry picking”.

When you have a bunch of great looking loans and even more not so great looking loans, which would you pick if it was your capital at risk? Of course it gets to that point where some Hard Money Lenders also look at the “loan to own” angle. That means they’ll take the property if the loan goes into default.

As a borrower wouldn’t you like to know that your deal is shored up properly so you don’t have to worry about losing your deal? Some Hard Money Lenders won’t tell you what’s amiss in your project when you apply. This does nothing for you the borrower as you are trying to make this deal work!

What can I do to make sure I don’t get Cherry Picked then?

First thing you need to do is vett your opportunity and be realistic about whether or not YOU would actually risk your own capital on the deal you’re working on. If you can be sure there’s enough ACTUAL Equity in the opportunity, then you have set yourself up well already. If the opportunity is questionable(not quite enough equity, not enough to put your skin in the game, not in an area that families will want to move into, etc) Then look for another deal; there are more than enough to find the right one.

Next is to vett your Hard Money Lender. Be realistic about the fact that if you’re looking for 100% LTV unless it’s a truly amazing deal, you’re probably not going to be the cherry that gets picked. Shore up your deal so that you can become the cherry. If you’re not sure how to do this, we can help.  We have a quick Loan application online that you can fill out to see where you would stand on getting a Hard Money Loan.

How do you help as a Hard Money Lender?

We can help vett your deal and then get you the funding needed to make it go!

By filling out this simple application, you can have one of our representatives talking with you about your current proposal or opportunity.

Once we’ve received your submission we go to work checking on valuations and location, etc. When we have the information we need to make a decision we come back and tell you what your opportunity actually looks like to an investor.

If it looks good to you, then we move forward to facilitating that Hard Money Loan. No cherry picking, just honest business.

If you want to stay out of the Cherry Picking race, apply by clicking the button below.

Hard Money

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Hard money Loans are our business, we would like the opportunity to earn your business.

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BEWARE the 100% Loan to Value Lenders!

100% Loan to Value Private Money Lenders…

Are these Private Money Lenders real?

We have had a bunch of “newbie investors” tell us that they have lenders that are lending 100% Purchase Price and Repair and are asking why we don’t lend our Hard Money in that same way.

Ok, so this needs to be clarified. There are a couple reasons for this. Mind you every time we see someone saying they are lending ARV or are charging only 1 point or even NO POINTS, as a Private Money Lender we either subscribe to their newsletter or call them direct to see what their deal is. Interesting to find out what is really happening with those deals. The Borrower ends up with a lower Net Profit using that Hard Money or Private Money Lender because they either have a desire to share in the profit, or their qualifications are a lot higher than they advertise. (meaning you will have a hard time getting that loan anyway)

So, here’s a quick tip on what to be looking for when you hear of the 100% Hard Money or Private Money Lenders.

Some things to consider before “jumping on” with a Hard Money Lender or Private Money Lender:

Do they lend anything more than 70% Purchase and repair?

Do they Lend 100% ARV and rehab costs?

Does this Private Money Lender say “Easy Qualifying?”

Are they looking to “Partner up” with anyone offering 100% financing?

If you find any lenders like this realize; They are probably going to want to share in the equity of the deal. Meaning: your net profit is less and you almost become a “bird dog” rather than an investor. Even if you do all the work, you are still bringing them the deals and you are not building wealth. You’re in another job.

If you wish to work with a Private Money Lender that will work with you to get your project done and leave you the Net Profit of your projects we would love to work with youPrivate Money Loan Application

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Hard money loans Now!

Hard money loans

Hard money loans for real estate investor and commercial property owners are available when investors put 25-35% of their own money in the deal in San Diego, CA. We will do everything to make good loans to qualified investors on quality property. We are positive real estate is stable in the next 12 months in California, so we are funding hard money loans in this market.

We fund loans quickly and can often fund hard money loans in less then 10 days.

Hard Money Loans Qualifications:

Hard money loans

Before we issue a loan commitment you must provide some basic information for a hard money loans?

  1.   Complete online loan application at
  2.   Have a property address we can evaluate
  3.   Loan summary explaining details of transaction

If you have been turned down by the bank or mortgage companies? If you do not have perfect credit and need no income qualifying hard money loans? You have come to the right place.

Private Lending Group is here to fund real estate investors who are taking advantage of fix and flip opportunities.

Apply for hard money loan: click here

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Purchase Rehab Loans

Purchase Rehab Loans

Today’s real estate investors have found purchase rehab loans the answer to their investing needs. Purchase rehab loans are a combination loan. Part one is used to purchase the investment property, and part two is used to advance monies for needed repairs.

Many times, real estate investors need funds after closing to updated the kitchen and baths. Other times the property is just to small, and would be better used as a rental or flip if there were a more bedrooms, additional closets or storage added.

Our response to the market place in the San Diego area, we have our Purchase Rehab Loans program. You can purchase an investment PLUS add the cost of improvements to the loan.

Here is how it works, after you find an investment property to purchase. you figure out how much work the property needs, you submit this construction schedule and estimate with your loan request.

Write an offer contingent upon the Buyer obtaining plans and specs for home improvements within ‘x’ days of approval.

On the day of closing, the seller gets their agreed to sales price and the additional funds are put in a construction account for the investor to complete improvements. Draws are made as the work progresses.

An appraisal is completed based on the ‘subject to’ completion of the work, so that you know the true value. Remember, some improvements will only bring a home up to standard value, not increase the value.

A contingency factor of 10% is allowed in the construction costs and put into the transaction. This can either be paid by you at closing or rolled into the construction portion of the loan.

The loan is an Interest only payment at the closing of the loan and during the construction phase of the project.

Once the work is completed, the rehab loan can be refinanced or modified to the final end loan. This could be a 30 yr fixed rate loan.

To apply for Purchase Rehab Loans click here

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Hard Money Business Loans

Hard Money Business Loans

Private lending groups in San Diego offers hard money business loans if you already have worn out all your possible financing sources from banks and traditional lenders and you still need more money to operate or expand. Since they are usually short term and must be paid within one or two years, they are also called bridge loans.

Before you sign for any hard money business loans,

When you have a growing business and want to expand it, then hard money loans can help you. Consider the following items.

1. Can you generate a return on investment (ROI)?
2. Do you have an exit strategy? Hard money business loans will be pain within a shorter period of time. Therefore, if you do not have a regular cash flow then it is not suitable for you.
3. What are your alternatives? When your alternative financing options are equity based, a hard money loan can enable you to take control of your business
4. What’s the impact on personal liability? Hard money loans are better compared to other financing sources with high costs.
5. Can you generate enough capital? A hard money loan is not the suitable option when it can’t cater your financing needs.

Hard Money Business Loans can be the very beneficial because they are easy to qualify for, close quickly and will help you to meet your business financial goals.

To apply for hard money business loans, click here

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