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Updated 6 days ago on . Most recent reply

How to approach a private lender
Hey guys, I'm new to real estate investing and was hoping for advice on how to approach a private lender. I'd like to have all relevant information in a folder I can walk them through, but am struggling on what all should be in there. Just looking for some thoughts or maybe even a template that has worked well for one of you.
Thanks in advance.
Most Popular Reply

I started out using hard money loans. Once I had a few successful projects under my belt, people in my network started asking how they could get involved — that’s when I started introducing the idea of private lending.
When I pitch a deal now, I keep it simple but professional. Here’s what I include in my lender packet:
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Deal overview – address, photos, ARV, comps
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Purchase & rehab budget – detailed scope of work, timelines
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Exit strategy – flip, refinance, or rental (with estimated profit or cash flow)
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Security – how their loan will be protected (typically a promissory note + deed of trust)
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Track record – short summary of past deals or team experience
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Terms – what I’m offering (interest rate, length of loan, points, payment terms)
The key is transparency and communication. Private lenders aren’t banks — they’re investing in you as much as the deal. Show them you’ve thought through the risks and have a plan for everything.
Just locked in a private money loan last week for a flip I’m closing Friday — so it definitely works.
- Kyle Mccaw
