Debunked: 5 Common Myths About Private Lending

[Jeanne Conca]

Thinking about using a private lender for your next real estate project? You’re not alone — but misconceptions still hold some investors back.

Let’s clear things up:

1. “Private loans are only for desperate investors.”

Wrong.

Private lending is a strategic tool — used by smart, experienced investors who value speed, flexibility, and relationship-based funding over traditional red tape.

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2. “The rates are too high to make a deal work.”

Not true.

While private loans may carry higher rates than banks, the speed of funding and opportunity cost often more than make up for it — especially in flips, BRRRRs, or competitive markets.

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3. “You need perfect credit to qualify.”

Nope.

We’re asset-based lenders. That means we underwrite the deal — not just the borrower.

Strong ARV? Realistic exit plan? You're in the game.

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4. “Private lenders don’t care about your success.”

Not at Hummingbird Funding.

We’re in this with you. We build long-term relationships and fund deal after deal for returning investors because your success = our success.

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5. “It’s complicated and risky.”

It’s not — if you have the right partner.

We walk you through every step, every term, every number. No surprises. No smoke and mirrors. Just honest lending.

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The truth?

Private lending is one of the most powerful tools in a real estate investor’s playbook — if you know how to use it.

Have questions? Let’s talk.

hummingbird-funding.com | (478) 227-4937

#PrivateLendingMyths #InvestorEducation #SmartFunding #HummingbirdFunding #RealEstateInvesting

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