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What is Loan-to-Cost Ratio and How It Affects Your Loan?
If you discussed a deal with a private lender, you might have heard a term “Loan-to-Cost Ratio.” Private lenders use the Loan-to-Cost ratio as a key underwriting metric to assess risk, determine loan...
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Major Causes That Will Delay Your Renovation Project
When we start talking to potential real estate investors about their pending transactions, almost all plan to repay their loans within six months or less. The newbies are the most ambitious. Their...
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Tracking Renovation Project Expenses: Practical Guide
Tracking expenses is a fundamental aspect of effective project management in real estate renovation. It helps you maintain financial control, make informed decisions, and ensure the success and...
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How NOT to Start Conversation with a Private Lender
Hard money lenders have significant discretion in choosing whom to lend to. Unlike traditional banks or financial institutions that have strict lending criteria and standardized underwriting...
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What is Probate and How It Affects Real Estate Transactions
A part of our business comes from refinancing inherited properties. A typical scenario includes an heir who either wants money to pay off other heirs or needs renovation funds to increase the...
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Title Defects in Real Estate Investing
Defects in the title of a residential property refer to any issues or problems that affect the legal ownership or rights associated with the property. Such defects result in what is called a “clouded”...
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Cross-Collateralization in Hard Money Lending
Hard money lenders exist because they underwrite radically differently from conventional lenders. They take more risks, think outside the box, and finance the properties that conventional lenders...
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How to Refinance a Residential Loan Held in an LLC’s name?
We’ve written several detailed articles on why it’s important to invest in real estate using an LLC. Actually, it doesn’t matter much whether you are investing in the name of an LLC or any other type...
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Women in Real Estate Investing: Opportunities and Challenges
Last week, we celebrated March 8th—International Women Worker’s Day, a global day celebrating women’s social, economic, cultural, and political achievements. While I am grateful to all women in my...
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Six Red Flags When Buying an Investment Property
To be a real estate investor is to be an optimist. It’s to believe that your next deal is just around the corner. It’s not to give up when going gets tough. It’s to persevere and to have faith. But...
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