All Forum Posts by: Michael Santeusanio

Private funding has become a big part of how investors scale their portfolios.

If you’ve raised or used private money, what tips would you give to someone just starting out?

Speed can make or break a deal.

For those who’ve used private or hard money — what’s the quickest turnaround you’ve experienced from application to funding?

Always trying to streamline my own process and learn from others doing it efficiently.

What’s your go-to strategy for getting deals funded quickly? I’m a broker working closely with investors and lenders, and I’d love to exchange ideas about what’s working in today’s funding environment.

Sometimes, even great deals fall apart — and it’s not always about the property itself.

I’ve seen funding, communication, or due diligence issues cause last-minute hiccups.

What’s the biggest lesson you’ve learned from a deal that didn’t go through?

For those doing flips or buy-and-holds — what’s your sweet spot when it comes to loan duration?

Short-term funding for quick exits or longer terms for stable holds?

Let’s discuss what works best for different strategies.

I’m curious — for those of you who’ve done private money deals, what qualities do you value most in a funding partner?

Trust, transparency, flexibility, or experience?

I’ve seen terms all over the place lately — anywhere from 10–14% interest with points upfront.

For investors who’ve used bridge or hard money loans recently, what’s been your experience in this rate environment?

Trying to understand what’s “normal” before negotiating.

Markets change, lenders shift, and investors have to adapt.

I’ve been hearing that some deals are stalling due to tougher underwriting or liquidity issues.

What’s been your biggest funding challenge lately — and how are you overcoming it?

I remember how overwhelming it was figuring out funding options early on. Between hard money, private money, and creative deals — there’s a lot to learn.

For those new to real estate, what’s been your biggest challenge when trying to finance your first investment?

I often see confusion between LTC and LTV when structuring deals.

In your experience, which metric do you rely on more when negotiating terms or assessing risk?

Let’s compare notes — it’s always interesting to see how other investors look at leverage.