Creative Financing & Private Lending – Let’s Talk Deals

[Joe Grespin]

I've been seeing a lot of investors looking for short-term funding to close deals, cover rehab costs, or bridge the gap until a refinance or sale. With the market always shifting, having access to flexible capital can make all the difference in keeping a project moving.

For those who have used private money lenders before what terms have worked best for you? Are you structuring your deals with flat fees, interest-only payments, or equity splits?

On the flip side, for lenders in the space, how are you evaluating deals in today's market? I always look at LTV, borrower experience, and exit strategy, but I'm curious what other factors you consider before funding a deal.

Let’s share some insights, what’s working for you in 2025?

[Jeff S.]

I disagree with @Jay Hinrichs. The chance that they are scammers is not 97%, it’s 100%. (Just kidding, Jay. 🤣)

Real lenders get their fees when they perform, at closing. Though this firm says their up-front fee is refundable, what do you think the chances are that they will actually honor this promise? I’ll say 0%.

Real lenders use professionals, including legitimate title and escrow or closing attorneys, as well as vetted documentation. This is in your interest as well.

Real lenders secure their loans with a lien against the property so that they are assured they will be paid back if for some reason, you can’t perform.

You found nothing more than a pretender lender, @Robert McClung III. If you ask for references, who do you think you’ll be speaking to?