Are you actively using HMLs these days?

[Des Shei]

I just wanted to get a sense of the volume of people utilizing Hard money or Private money these days and if so what sort of rates/terms are you receiving. I've been working on building my business model and this year i'm glad to say i'm finally executing, the reserves are there, the credit is good so just doing my due diligence and shopping around on various financing options.
regards,
Desmond