Kyle Karges sits down with Raz Mihalyi to talk about how he moved from short-term rentals into private money lending through the SubTo and Owners Club communities. Raz breaks down a South Carolina mobile home lending deal where three investors each brought $40,000, added underwriting support, and earned returns while staying mostly hands-off. He also shares why communication, due diligence, and relationships matter just as much as the numbers when lending on real estate projects. Raz closes by explaining his current focus on escrow-protected transactional lending for double closes and Morby Method deals.