Savings with Hard Money Lender

[Rudy Manna]

This topic probably have been discussed quite bit, but still want to hear about the experiences everybody had on saving with HML. I am from Seattle and mostly shopped around and used HML such as Eastside and Veristone. THeir rates all similar such as 12% with 2-4 points. I know most of you will advise moving into private money, but keeping that aside for a moment, are there any strategy people used to save money while working with cookie cutter HMLs. Is there a certain point (maybe after a certain number of deals), I can negotiate better rates or points? I was also wondering if they give a line of credit so that the points every time can be avoided?

Any real experiences are highly appreciated. Thanks in advance.