Resources & Guides

Use this section to access a wealth of information about private mortgage lending. We have published a number of Guides on various topics, private lending basics, terminology, and much more. Many of our guides include a video or audio version. If you don’t find what you’re looking for, reach out to us for help.

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DSCR Long-Term Rental Lending Update 2022 Q4

Lack of Liquidity for DSCR Rental Loans Obviously the increased interest rates are making it tough to close loans, but...

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Interest Rates for Private Lending in 2022 Q4

  Most of this guide will focus on short-term loans for investment properties, but we’ll mention the rates for DSCR...

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Private Lending Industry Update 2022 Q4

This guide was published in November 2022. Much of the information we’ll share was gathered from talking to many of...

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Private Lending for Rural Investment Properties

Why Most Private Lenders Don’t Consider Rural Areas The reason that most private lenders won’t consider a rural property really...

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Why Private Lenders Do Not Lend on Owner-Occupied Homes

Reason #1 – Government Regulations and Compliance The reason private lenders do not lend on owner-occupied homes is because of...

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Private Lending Guidelines Tightening in 2022

When the Federal Reserve started to increase interest rates earlier this year, it obviously forced many private lenders to increase...

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DSCR Rental Loan Interest Rates

Private mortgage lending is mainly for short-term financing up to 2 years, but starting in 2018, Wall Street capital markets...

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Interest Rates for Private Lending (short-term loans) in 2022 Q3

Private mortgage lending is mainly for short-term financing secured by commercial and residential investment properties with loan terms ranging from...

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Private Lending Interest Rate Increase Explained

The reason many private lenders increased interest rates is because their cost of capital went up when the Federal Reserve...

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Loan-to-Value Defined & Clarified

The maximum loan-to-value (LTV) is one of the most important guidelines to look for when seeking a private mortgage, especially...

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100% LTC Financing for Residential Ground-Up Construction

We have to start off by clarifying that 100% financing for construction projects would never include the land purchase. There...

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Down Payment Requirement for DSCR Long Term Rental Loans

When financing the purchase of a rental property, lenders will not fund more than 80% of the purchase price. So...

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Various Types of Bridge Loans Defined & Clarified

The challenge with the term “bridge loan” is it’s just too broad. In our industry, we have a similar dilemma...

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Private Lending Mergers and Acquisitions

 There are several types of private lending companies in the United States, each with different business models and capital...

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Multifamily Defined & Clarified

In real estate finance, the meaning of the term “multifamily” is defined as a property with five or more dwelling...

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Canceling “Hard Money”

For as long as we’ve been in this industry, there has always been a terminology dilemma between the terms hard...

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Loan Request Experience for Brokers

When we launched PrivateLenderLink.com in 2010, our goal was to provide an open resource for brokers to learn about reputable...

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Loan Request Experience for Property Owners

When we launched PrivateLenderLink.com in 2010, our goal was to provide an open resource for property investors to learn about...

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California Foreclosure Process

Most of the information below was gathered from an interview we did with Randy Newman, President of Total Lender Solutions....

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California Foreclosure Post-Auction Process (SB 1079)

Most of the information below was gathered from an interview we did with Randy Newman, President of Total Lender Solutions....

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