How are private lenders viewing the market right now?

Question

I’ve been having more conversations with investors about raising private capital, and I’m curious how folks on the lending side are approaching things in the current market.

For those of you who lend privately:

-What’s your comfort zone on LTV these days?

-Are you leaning more toward shorter-term deals (12–24 months), or still open to longer notes?

-Have higher rates changed how you structure deals or what returns you look for?

Would love to hear how others are navigating it , both from the borrower and lender perspective.

Frankie Vozzi · Answer

Great question, Stanley the market has definitely shifted the way both investors and lenders are structuring deals. From what we’re seeing:

Most private lenders are staying in the 70–80% range depending on the project type and borrower experience.

Term Length: Shorter-term notes (12–24 months) are the most common, especially for flips or value-add projects. That said, DSCR and bridge-to-rental products are giving investors a way to hold longer if the exit timeline shifts.

Rates & Structure: Higher rates have pushed some investors out of the market, but deals are still happening. A lot of lenders are focusing on creative structuring to help keep projects viable while still delivering returns.

Every lender’s approach is a little different, but the theme right now is flexibility. The investors who can adapt and work with lenders open to structuring options are the ones still moving deals forward.

Curious to hear what you’ve seen from the investor side are your conversations leaning more toward short-term flips, or buy-and-hold strategies?

Mike Grudzien · Answer

I'm just on hiatus until interest rates change.

How are private lenders viewing the market right now?

How are private lenders viewing the market right now?

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