In this episode of Growing the Money, Rich Lennon answers a critical question many private lenders have: “When should I be concerned about taking my money back?” He shares personal insights and real-world examples like lending on expensive river homes to explain why time isn’t the main factor; the security of the asset and communication with the borrower are what matter. Rich also dives into the tricky situation of dealing with impatient or “lazy” money partners who want out before a deal concludes, offering strategies for handling these challenges gracefully. 

 You'll Learn how to: 

•  Time doesn’t equal risk; asset security does. 
•  Smart lending starts with strong Loan-to-Value (LTV) ratios. 
•  Communication is key in lending relationships. 
•  How to deal with money partners who want out early. 
•  The importance of choosing partners based on trust, not just returns. 

 What You'll Learn in This Episode: 

0:00–0:12 Focus on Protection, Not Time. 

1:17–1:42 Why River Houses Are Attractive (and Risky). 

2:26–2:35 The Power of Low Loan-to-Value (LTV). 

2:51–3:06 Compounding Through Interest Payments. 

3:06–3:34 Thinking Like a True Lender. 

4:44–5:24 The Burden of Short-Term Investors. 

6:49–7:02 Protecting Relationships Over Profits. 

7:20–7:35 Paperwork Tip for Fractional Note Swaps. 

 Who This Episode is for: 

•  Private Lenders & Hard Money Lenders 
•  Real Estate Investors 
•  Passive Investors ("Lazy Money") 
•  Aspiring Lenders or New to Private Lending 
•  Deal Syndicators & Note Fractionalizers 

Why You Should Listen: 

Whether you’re a seasoned lender, a real estate investor, or just starting to explore passive income strategies, this episode will help you think like a pro and protect your capital like one, too. 

 Follow Rich Lennon here: 

Website: https://richlennon.com/ 

Facebook: https://www.facebook.com/rich.lennon.121 

Instagram: https://www.instagram.com/richlennon92/#