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California Hard Money Loan Approval

By |2018-07-18T20:41:29-07:00June 3rd, 2018|Categories: Hard Money|

There is a false premise that hard money real estate loans are a last resort for desperate borrowers with no options, but this is simply not true.  California real estate hard money loans provide borrowers with non-bank loan options. Often real estate investors and/or small business owners are simply locked out of traditional lenders loan programs. [...]

More Than 200,000 Homes Flipped in 2017

By |2018-07-18T20:47:11-07:00April 4th, 2018|Categories: Hard Money|

The dollar volume and share of financed flips are hitting new highs. According to IRVINE Based, ATTOM Data Solutions’ U.S. Home Flipping Report, 2017 saw 207,088 U.S. single family homes and condos flipped. Although 65 percent of flippers still used cash to buy homes flipped in 2017, Home flip lending volume is up 27 percent to [...]

The Myth of Mortgage Credit Availability

By |2017-03-11T14:39:05-08:00March 8th, 2017|Categories: Hard Money|

Recent reports that mortgage credit availability is increasing would have you believe that the banks are lending like its 2006. A little perspective, however is in order. Mortgage credit availability is measured by a single index number ranging from zero to one thousand and is referred to as the Mortgage Credit Availability Index (MCAI). The MCAI [...]

Skin in the Game Principle Aligns Risk and Reward

By |2017-03-08T20:30:42-08:00November 30th, 2014|Categories: Hard Money|Tags: , , , , , |

Spending and risking someone else’s money is always easier than spending and risking your own. When someone is willing to put his or her own money into play for an investment activity, it may not mean a guarantee that the activity will end up profitable, but it does show the person’s belief in the integrity of [...]

Introducing Private Money [Hard Money] Lending – Part 2: How Hard Money Works

By |2018-08-23T14:55:49-07:00July 29th, 2013|Categories: Hard Money|

Introducing Private Money [Hard Money] Lending - Part 2: How Hard Money Works As we discussed in Part 1 of our series, banks are not the only entities to provide real estate secured financing. Private money (or hard money) lenders offer an important alternative to institutional and conventional lenders for many who own, buy, and invest [...]

Introducing Private Money [Hard Money] Lending Part 1: Borrowing Money from Private Parties without Going through a Bank

By |2018-08-23T14:53:37-07:00July 29th, 2013|Categories: Hard Money|

In 2007 and 2008, the mortgage market took a hit that mimicked the gigantic Wall Street downturn. Even now capital markets continue to lack confidence in real estate lending and banks, who are not immune to the damaging effects all of this lost investment and real estate value, aren’t creating “make-sense” real estate loans. But there [...]

Introducing Private Money [Hard Money] Lending Part 3: Underwriting

By |2018-08-23T14:57:28-07:00July 29th, 2013|Categories: Hard Money|

In Part 1 of our series, we introduced private money lending and in Part 2 of our series, we saw how hard money lending works. Let’s continue by taking a look at the underwriting aspect of hard money loans. Underwriting includes all the analysis necessary to confirm valuation, income, property condition and the borrower's capacity to [...]

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