The Lender Database AI Can't See
Sunday, October 04
Here's what a real lender matrix looks like — the document that actually prices your borrower's loan: Tier 1: 75% ARV at 9.99%. Requires 5+ flips in 36 months, $150K liquidity, 700 credit, top-200 MSAs only. Tier 2: 70% at 10.99% — 3 flips, $100K liquid, condos take a 5% haircut. Tier 3: 65% at 1...
I Tried to Place a Deal Using AI. Here's What Happened.
Sunday, October 04
I have a 73-page transcript of me arguing with Gemini about an $8.5M ground-up memory care build in Fulshear, TX. Here's the highlight reel: For the entire conversation, it presented Commercial Loan Direct as a direct lender — draw schedules, prepay structuring, exact LTC math. CLD is a broker ma...
"looking for a private lender for my deal" What They REALLY Want.
Sunday, October 04
I spent a month answering BiggerPockets posts so you don't have to..I spent the last month answering lending questions on here. Dozens of posts. Same question, different zip codes: "looking for a private lender for my deal." Here's the pattern nobody talks about: most of these posts aren't lookin...
The Part of Hard Money Nobody Can See
Monday, August 24
Ask any investor how they picked their hard money lender and you'll hear about rates, points, and leverage. Ask them how many lenders never wrote back and watch their face change. I've spent 20+ years in hard money — $58M+ originated — and I now run a platform where I can watch quote requests tra...