Private Lenders (Hard to find)

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I’ve communicated with four parties about private lending in the past 2 weeks. Two of them were scammers, one was legit, and the other never followed up with me.

What is your experience with private lending?

Is this something that takes time to lock down? When can I find resonantly priced private money? (7% - 13% interest with fair fees)

I am sure terms are negotiable, but what have you commonly seen?

Thanks,

Nick