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.
Loading...
Sorry, your search returned no results.
Bait and Switch: Unethical Practice in Private Lending
Bait and switch is an unethical practice which is quite rare in professional private lending, and there are situations where...
Read the Guide →Private Lending Industry Update 2023 Q1
Like many other industries in this economy, it’s been an interesting time for private mortgage lending during the first quarter...
Read the Guide →Credit Score Requirements for Private Lending
Why Private Lenders Care About Credit Scores Many real estate investors assume that private lenders don’t care about their credit...
Read the Guide →Private Lending for Multifamily Properties in 2023
The Private Lending Landscape for Multifamily The reason multifamily has historically been a highly desirable asset class for private mortgage...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →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...
Read the Guide →Private Lending Mergers and Acquisitions
There are several types of private lending companies in the United States, each with different business models and capital...
Read the Guide →Multifamily Defined & Clarified
In real estate finance, the meaning of the term “multifamily” is defined as a property with five or more dwelling...
Read the Guide →Canceling “Hard Money”
For as long as we’ve been in this industry, there has always been a terminology dilemma between the terms hard...
Read the Guide →