Private Money Blog

Higher Interest Rates Are Challenging Buyers, but Creating Opportunity for Lenders

Interest rates play a central role in real estate cycles.When rates fall, buyers benefit.When rates rise, leverage becomes more expensive—and returns can compress.But for one group of participants, higher rates can create opportunity: private real estate lenders. How Rising Rates Impact Property Investors In a higher-rate environment: Monthly payments increase Buyer demand softens [...]

By |2026-01-16T12:40:21-08:00January 16th, 2026|Real Estate|0 Comments

A Decade of Lower Capital Gains? Why Many Investors Are Choosing to Lend Instead

For more than a decade, real estate investors benefited from a powerful tailwind: rising prices. In many markets, appreciation did the heavy lifting. Buying and holding real estate felt almost effortless. Today, the environment is different. A growing number of respected market observers—including Bruce Norris—have raised the possibility that the coming years could [...]

By |2026-01-16T12:28:02-08:00January 9th, 2026|Real Estate|0 Comments

Why Hard Money Is the Smarter, Safer Bet Than DSCR, Ground-Up Construction, and Fix-and-Flip

In Uncertain Times, Safety and Strategy Matter With a potential recession looming, capital preservation has become the cornerstone of smart investing. Savvy investors are no longer chasing the highest yield — they’re looking for security, stability, and reliable returns. When you compare Hard Money lending with DSCR loans, ground-up construction, or fix-and-flip investments, [...]

By |2025-10-16T17:22:15-07:00October 16th, 2025|Loan Programs, Real Estate|0 Comments

Power Purchase Money

Leveraging Private Money to Negotiate Better Prices and Expedite Real Estate Transactions In today’s highly competitive real estate market, buyers are continually seeking ways to stand out and secure properties amidst fierce bidding wars. One powerful strategy that savvy investors and home buyers use is leveraging private money to negotiate better prices [...]

By |2024-06-19T11:09:28-07:00June 19th, 2024|Uncategorized|0 Comments

Closings: Post-Pandemic Opportunities Arise for Private Lenders

By Jim Davis, Editor of Scotsman Guide Residential Edition The housing bubble of 2008 ushered in a golden age for hard money and private money lenders. Conventional lending tightened due to worries about the economy while lawmakers in Congress and statehouses debated a host of regulatory changes. Opportunities opened for people willing [...]

By |2021-07-15T17:38:37-07:00July 15th, 2021|Real Estate|0 Comments

Basic Zoning Codes in California

Zoning codes are a set of rules that regulate what can and can't be done on a particular piece of property. They're established and enforced at the city level. In California, you can find zoning codes for virtually every city in the city's municipal code. RESIDENTIAL R1:  One family dwelling RW1: One-family [...]

By |2021-06-10T17:18:02-07:00June 10th, 2021|Real Estate|0 Comments
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