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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What Investing did you do President’s Day?


Investing is a full time gig

Happy President’s day! It should be a day of relaxing with family reflecting on the leaders and leadership we’ve had over the past couple of centuries. It should also be a time to keep eyes open for active investors that are looking for opportunities to create income. If not, it’s lost momentum, and lost opportunities. Believe me, if you’re not looking, your competition is.

I have Investing Competitors?

Yeeeees, you do. THey are out there, hustling, bustling, searching, scouring competitors.

In fact, they’re everywhere. Investing in every opportunity they can secure. Why not you?

You chose to be in a business that is competitive. Maybe not as much as let’s say manufacturing toothpaste, but not far behind either!

Surely you know a few of them. If you’ve played it right, you’ve networked with them as their specialties are most likely niched a bit different. None the less they are investing. Just. Like. You.

But It’s a Holiday…Investing on a Holiday?

We aren’t suggesting that you give up your holiday to just go out and continue your investing activities. In fact, we would rather you take a day off. However, that doesn’t mean your eyes go shut and you go brain dead.

Keeping your eyes open and scanning for opportunities is paramount. You can always do research when you get back home.

Investing is still the bottom Line

Your business depends on finding new deals. Not just online where a good portion of them can be found, but everywhere you go. To some this will be a no brainer of “really? Why would you bother talking about this?”

Others will take it as a kewl reminder and probably have their brains engaged to be looking. We do it all the time. Anytime we hit the road we’re looking for new opportunities to be investing. they are in fact everywhere. Don’t miss it.

Once you’ve found an opportunity that works for your niche, we can help with the financing. It’s a simple application and we do work to close everything quickly.

Click on the graphic below to get started!











Investing can be fun anytime.

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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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Latest Trends in Private Money Lending

Private Money Lending – A better way to earn income

I’ve been listening to a lot of nay-sayers about the Real Estate market as of late.


Someone: “So, what do you do exactly?”

Me: I help investors realize a greater return on their investments through investment opportunities secured by real estate.

Someone: “Ooooh…**Makes the smiling nodding sign to his buddy** The Bubble…”

Me: “??” I’m sorry I’m not sure I understand what you’re referring to?

Someone: “Oh you’re in that place where when the bubble pops again people will lose money!”

Me: “You’re right, someone WILL lose money…just not our investors.”

Someone: “How can you say that? Banks are inflating prices again and it’s all coming back around for another fall!”

Me: “Yep, but that has literally little to no bearing on what our investors invest in.”

Someone: “??”

Private Money Lending as a safe investment

After the conversation with this person, it was clear they had a bad experience in real estate investing and had no clue as to what they were doing, much less understand what it meant to be a private investor versus an active investor. They haven’t been in Private Money Lending before. Even after explaining how it is hardly affected by the real estate market, they still showed invincible ignorance towards how we can avoid the thrills and spill of Private Money Lending.

For those that really want to be involved in something like this they have to let go of any past experiences in Active investing to even begin to understand how this dynamic changes everything!

Private Money Lending Broken Down

Private Money Lending depends mostly on the current value of a home and there are more than enough homes with good equity in them that you can literally find new opportunities daily that make sense.

If you work with a Private Money Lending Broker (like us) you can sit back and just wait for the opportunities to come to you. No waiting to get paid either; just a solid interest income payment each month until your principle is paid off.

Many have wondered if that is affected by the real estate market shifting so often…NOPE.

If you are in Private money Lending, you have the opportunity to earn income no matter where or what status the market is in. You do need to know what’s going on in that market to understand what kind of and if there are any good investments to be made. This should be up to your broker that is underwriting opportunities for you.

The Bottom line for this type of investing is, you dod need to still be savvy with the market you wish to invest in. If you have a good broker, you can count on, then you have numerous opportunities that can do you well in Private Money Lending.

If you are interested in learning more about how to become a Private Money Lender, you can Click here and get a free report on how you can beat the bank by becoming one!

Or you can give us your investor profile by clicking the pic below:

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Top 10 Reasons to Become a Private Lender

logo-private-lenderBecoming a Private Lender could save your financial future

Everyone has heard of “being the bank”. Everyone thinks you can only do that with Insurance policies or hitting it big in the stock market. Becoming a Private Lender may be one of the only true ways left to make this a reality.

Peer to peer lending has been around FOREVER. Most of us don’t know it’s shape or form as we’ve only seen it lending $20 to a friend or relative. Others have lent bigger dollars only to never see it come back. (Leaves a bad taste in the mouth no?)

In short a return on investment has become somewhat illusive. That’s where becoming a private lender could be a game changer for you.

Being a Private Lender in a nutshell

So what is a private lender?

It’s also called peer to peer lending and its been around since the days of horse trading. (Yes this is said tongue in cheek but it’s to emphasize that it’s been around a long time)

If you are an active investor, you swing a hammer and want to create a net profit after selling the home you are working on or creating cash flow by keeping a property for rent.

As a Private Lender, you don’t have the issue of finding, fixing, and selling or setting up rental. You simply lend capital to an active investor and collect the interest payments. Yes it is interest income and you will have to pay taxes on it if it comes directly to you.

As the Private Lender, you are paid first, not after the property is sold. You gain interest on the principle amount and get your capital back at the end of a relatively short term. (usually 12 months or so)

Benefits of being a Private Lender

One of the advantages of being a Private Lender is the fact that you can take the interest income and place it into a financial security instrument. (wooh big words) Basically like a self Directed IRA, or Defined Benefit Plan, Pension etc. This ensures minimal liability with Uncle Sam.

An Active Investor doesn’t necessarily have that luxury. If income goes into their LLC, they still have to reduce the liability by spending pre tax dollars. Then passing through the remaining income they still get taxed.

For a Private Lender, you can defer the tax liability by placing the interest income into the Self Directed IRA, or other instrument. This makes it easier for you to build your retirement or income for your family trust etc.

It’s how many have made sure their incomes are protected into the future. Not just holding a portfolio of homes for cash flow, but lending and gaining or increasing their Return on Investment.

Check With your custodian or if you need one call us and we can refer a couple to check out. (We gain no referral for suggesting any of them)

Top 10 reasons

ok so here they are in no particular order:

1. Deal with hungry Active Investors

2. Default means you’re getting a property

3. Interest income that can be placed in just about any financial instrument that allows for self directed investing

4. No marketing to find properties

5. No Hammer swinging (yes I’m that lazy too)

6. Easy to earn greater returns on investment

7. Investment is secured by real estate (as opposed to market fluctuation and unpredictability)

8. Shorter term for faster returns

9. No realtors, contractors, or people to deal with other than the borrower

10. First one Paid. First one out.


Consider becoming a private lender today. Call us at 702-856-4388 and ask for Dan or Mike. We’ll be happy to discuss what’s possible for you.

Private Lender

Become a Private Lender

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Earn as much as 10% on your money as a Private Money Lender

If you haven’t thought about becoming a Private Money Lender

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Private Money Lender…good title for you?

You’ve worked hard for what you have. You know you deserve better with the banks no longer paying anything more than even 1% on any financial products they offer.  So what do you do?

There are a ton of program out there offering you to invest with them. From Stock Market to Real Estate the options are pretty varied. The big question is, “Where can I get the best returns on my money?” Perhaps one avenue you should consider is becoming a Private Money Lender.

The big deal about this is the ability to become someone’s helping hand in deals they themselves either need help doing, or know how to do but just need that extra push to get their project completed. By becoming the bank for them you eliminate a LOT of headache for the Active Investor. You negotiate the terms that you are willing to settle with and both you as the Private Money Lender, and they, the active investor, both come out on top.

Free Report on how to become a Private Money Lender

There is a free report you can grab here to see how you can actually beat the banks pretty badly by becoming a Private Money Lender. Think about it, your financial adviser couldn’t guarantee that rate of return. It’s just not possible. As a Private Money Lender, IT IS! You are able to set terms and SECURE the Return via a deed of trust or mortgage and note. (Among other legal instruments)

Click Here to get that FREE report.

Becoming a Private Money Lender is not as simple as you think

Not everyone knows how to become a Private Money Lender where your money is protected correctly. We can help you through that whole process. Through our Network, we can help you learn how to become a private money lender by “vetting” any deals available and then presenting them as an opportunity for you to write a check and gain a security instrument to protect your money then you start collecting the checks.

Becoming a Private Money Lender, you are giving the Active Investor a fighting chance to get more deals done while securing a greater return on your cash that is probably sitting somewhere that you are just not getting any really fair return.

If you are interested in finding out more on how you can become a Private Money Lender and get a greater return on your money feel free to call us at 866-611-0186 ext 201 and we would be happy to talk with you about how you can join a network on savvy individuals that are already realizing a better ROI on their investments.

Don’t miss out on the opportunity to become a help to the economy by becoming a Private Money Lender today!

Private Money Lender

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How Hard Money Lenders Can Help You

Hard Money Lenders

Hard money lenders in California in the past were the last ones to be considered when applying for a commercial loan. with a commercial hard money lender. However during the current mortgage meltdown hard money lenders are often the first place investors will search for financing.

COMMERCIAL Hard Money Lenders

For example, a real estate developer got stuck in a $10 million dollar development deal and planned to sell units to recover some of their investments from the project. However, delays in the sales date may occur or the project may exceed the budget. To avoid these circumstances, the developer will apply for bridge loan. With the traditional loan, the bank will not process the loan in four to six weeks. In this case, a hard money lender can offer loan immediately.

REHAB Hard Money Lender

For rehab investor who wants to apply for a loan to renovate foreclosed homes that are vacant or unoccupied by, banks will turn down the loan application because they can’t verify that the rehabber can sell the units or the current occupants can’t pay the mortgage. Hard money lenders are willing to finance this kind of projects.


Investors who found a property of great value may need quick and secure financing to buy, renovate and sell the property immediately. These needs can be catered by hard money lenders. Loans can be prearranged with interests only so that expenses can’t get high. After the property is sold, the principal amount can be paid back and the profit can be set aside for the next project.


Homeowners that have problems related to foreclosure can also seek help from hard money lenders. Hard money lenders can offer restructure of the current loan, unlike other lenders. However, they charge higher rates and they require the borrowers to have collateral of at least 25-30% equity in real estate.

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