In today’s market, investors are finding it difficult to achieve strong, reliable returns. That’s why more investors are acting as the bank, making loans directly to other investors who don’t qualify for shorter-term bank loans despite having excellent borrower qualifications. These loans are shorter-term, real estate-backed loans that often generate low double-digit returns. Fred SaintAmour, Owner and Managing Partner of Boathouse Commercial Funding Group, has closed over 200 hard money loans with no losses. Fred does one-off deals versus a fund that puts pressure on him to deploy investor capital and risk compromising his lending standards.