Interview with Hard Money Lender & Real Estate Investor: Kevin Amolsch

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Kevin Amolsch is a real estate investor and hard money lender located in the Denver, Colorado area. In our interview with Kevin (26:54 minutes), we get some great tips about topics such as using owner financing, lease options, wholesaling, building a portfolio, the life of a landlord, tenant screening, building wealth, and hard money loans. In the hard money discussion, we cover leverage and hard money, the risks of hard money lending, how to prepare yourself for a loan, why lenders focus locally, and the hard money loan process.

You can also find out more about Kevin’s company, Pine Financial Group, Inc., on their website, or you can follow him on Twitter.

About Author

Joshua Dorkin

Joshua Dorkin is a serial entrepreneur, investor, podcaster, publisher, educator, and co-author of How to Invest in Real Estate. He started BiggerPockets to help democratize the real estate investing landscape for himself and others, aiming to make it accessible for everyone, regardless of income or education. Today, BiggerPockets is the premier real estate investing website online with over one million members and reaching over 70 million people with the message of financial freedom through real estate investing. Joshua, along with his wife and three daughters, make their home in Denver, Colorado, and spend any time they can traveling, exploring, and adventuring. Read more about Joshua’s story in 5280 and


  1. John Evan Miller on

    This is absolutely an incredible interview with a plethora of information great for both amateurs and professionals. Thank you for conducting the interview and sharing it with all of us. I was amazed by the amount of helpful information that was included in this 26 minute video. Great job!

  2. Great interview!

    It’s interesting to hear your story and insight, Kevin, both from the investor and lending side. Apart from rehabbers on the residential side, I’ve known of a handful of investors who have used hard money successfully on commercial transactions. Hearing your interview definitely shed some light on the subject, thanks for sharing! 🙂

  3. Kevin Amolsch on

    Thanks everyone. I am glad that you enjoyed the interview. This was the first time Josh and I have actually spoke and it was great getting to know him a little better. I am happy that he asked me to participate and hope that we can do more together. Thanks again!!

  4. Kevin,

    Awesome interview.Loved it!

    Few questions:

    1.Do you do commercial hard money?? I see many HML’s shy away from it. The types of deals are different in that you want to rehab the property and get it stabilized with rents for 6 to 12 months before you can sell it off or refi.So hard money loan time is much longer.

    2.How do you raise private funds to do hard money without being in securities violations of soliciting investors for money??

    Would love to hear about HML commercial hard money plus another interview with you again as well.

    • Kevin Amolsch on

      We don’t do commercial hard money loans. There are a lot of lenders that do,in fact there are probably more that lend on bigger building than us that do residential. The reason is less about the time it takes and more about the lenders comfort level. I would just good commercial hard money and you will probably get more hits than you care to look into.

      As far as the SEC concern. We put together a PPM registered with the SEC and we are registered in every state that we have an investor. You need to find a good securities attorney to help with this.

      Hope this helps.

      • Kevin Amolsch on

        I try to get on here from time to time. There are so many smart people in these forums. Most of the time I want to address a question I notice that someone has already said what I would have said and even better than I would have said it. As my business continues to grow I am finding myself with more free time so maybe I will jump on here more often.

        • Good deal! Adding to what people have already said and being visible is a great way to drum up business (without soliciting) and to build up trust for yourself as one of the experts out there.

    • Kevin Amolsch on

      I would be careful with this. In CO you should be exempt from licensing if you are raising money for your own deal but as soon as you broker a note and charge “fees” you need a securities license. My guess is other states are similar. I did get my license and can tell you that is was not the easiest thing I have done. This is one of those things you can go to jail for so I would talk to an attorney before doing anything crazy. 🙂 Good luck!

  5. Very informative interview. When you talk about providing a low-equity, motivated seller with payment relief, do you have them sign the deed over to you on agreement that you will refinance after a while? I’m not sure how that works. Thanks.

    • Thanks for the question. Yes, most of the time the best way to work with low equity deal is to have them sign the deed to you. It is not quit that simple. You need to start with a contract and some pretty strong disclosures and it is best to close with a title company.

    • Kevin Amolsch

      Cool… people are still getting value from this interview. It was a great experience for me and I appreciate everyone at BiggerPockets for what they do to help people. I have started posted some articles on the BiggerPockets blog. If you do check it out let me know what you think.

  6. Kevin,

    Great interview. Around 4:45-5 minutes in, you say you will sometimes “informally” take over the payment f the loan. Does that mean you somehow get the person to sign over the deed and then you pay him the monthly mortgage and then he pays the bank his mortgage or is this something else (assuming “he”)?

    Also, what timeframe is it reasonable to expect someone on an average hard money loan property to get the repairs/rehabbing done and sell the property to make a profit (for the borrower)? I know there are a lot of variables here, but what–buy the property and flip in 3 months? 6 months? I assume the borrower is going to be in the red at a year?

    • Kevin Amolsch

      Hi Jack,
      When I say “informally” take over the payments I mean that I make payments on the loan directly to the lender but I did not formally sign a not or guarantee the payment. Everything related to the loan remains on the seller’s name. With that said, although I am not formally guaranteeing to make the payments, I will make payments on these loans as if I had.

      I cannot really answer the second question because there are too many variables to consider. I see loans payoff in less than 30 days and I have some out for a few years (those are typically larger development deals). I see everything in between.

      Thanks for watching the video!

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