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Private Lending

Private money lending plays a significant role in the real estate market, providing an alternative source of funds for investors and others who need quick financing or who may not meet the stringent requirements of traditional lending institutions.
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Private money lending refers to the practice of individuals or companies lending their own funds to borrowers, typically for real estate transactions. This type of lending is an alternative to traditional financing provided by banks or institutional lenders. Private money lenders are often more flexible and faster in providing loans, but they usually charge higher interest rates compared to traditional lenders. Here are some key aspects of private money lending:

1. Lenders:

Private money lenders can be individuals, groups, or companies with available capital to lend. They are not banks or traditional financial institutions. These lenders might be professionals in the real estate industry, wealthy individuals, or private lending companies.

2. Borrowers:

Borrowers who seek private money loans are often real estate investors who need quick financing for investment opportunities, like fix-and-flip projects, land purchases, or property development. Sometimes, borrowers who may not qualify for traditional bank loans due to credit issues or the unconventional nature of their investment also turn to private money lenders.

3. Loan Terms:

Private money loans typically have shorter terms, often ranging from one to five years. They are usually interest-only loans with a balloon payment at the end of the term.

4. Interest Rates:

The interest rates for private money loans are generally higher than those offered by traditional lenders. This is due to the higher risk assumed by the private lender and the convenience of faster funding.

5. Collateral:

Private money loans are usually secured by collateral, often the real estate property being financed. If the borrower defaults, the lender can take possession of the property.

6.Speed and Flexibility:

One of the main advantages of private money lending is the speed of approval and funding. Since private lenders are not bound by the same regulations as banks, they can process loans much faster. They are also more flexible in terms of loan structuring and underwriting criteria.

7. Regulatory Environment:

Private money lenders are subject to state and federal laws, but they are not as heavily regulated as banks. However, they must still comply with certain lending practices and usury laws.

8. Risk and Return:

For lenders, private money lending can be a lucrative investment with higher returns than traditional lending or other investment types. However, it also carries higher risk, especially if the borrower defaults or the property value decreases.

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FAQ

A HARD MONEY LOAN uses the value of the property as the main criterion for lending, while a PRIVATE MONEY LOAN may consider both the property and the borrower’s financial strength.

Hard money loans are typically offered by a professional lender who specializes in short-term purchase-rehab loans, while a private money loan can come from any private individual or organization who has extra money to lend.

A hard money loan typically has higher interest rates and fees than a private money loan, as it involves more risk, higher overhead and less flexibility for the lender.

A hard money loan usually has a shorter term length of 12-60 months, while private money loans may have a longer term depending on the agreement between the borrow and the lender.

The choice between a hard money loan and a private money loan depends on the borrower’s needs, their financial status, and the goals and preferences for the business.  Some factors to consider include the time it takes to obtain funding as a result of underwriting, the total cost of borrowing, interest and fees, the duration of the project and the relationship with the lender.

If you elect to compound (reinvest), the interest will be reinvested in shares that are available from the Manager’s Investment Pool.  If there are no shares left in this specific pool, they can be invested into the next pool, thereby continuing the compounding.  These shares from a forward looking pool, would have a different availability date (exit date).   If planned for, we could rationally keep the shares available within the pool. 

While it is possible the funds could be returned (or reinvested) in a shorter period of time than a 12 months, it should be planned to be a minimum 12 month hold. Like any loan, it is possible that it may need to be extended with rare circumstances, and if it is extended would make the term longer than 12 months.

Funds can be withdrawn at the end of the loan term, for those loans being repaid.  This transition allows you to enter into the next loan offering, enter other equity offerings or request a disbursement of your capital and/or earnings.

While the income fund offering is a limited duration investment, it may not be as flexible and certain as a CD offering.  Investors will have the ability to elect rolling into the next available loan pool

To facilitate entrance and exits, the loans are pooled in blocks (as funded) and the risks are limited to the assets within that pool of assets.

Yes, this could mean fewer assets in some pools than others and resulting in potentially different assessments of risk.

NOTE: This same situation protects most pools from being affected by loans in other pools, it works both ways.

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