Homes are sitting longer. Borrowers are holding out for higher prices. And if you’re a private lender, your risk is quietly climbing. The question is, how do you protect your money and your borrowers when the market turns sluggish?

In this episode, Rich Lennon breaks down the real impact of rising “days on market” on your lending business. You’ll hear real numbers, real examples, and the one strategic change Rich is considering to safeguard his portfolio in uncertain times. By the end, you’ll know exactly how to keep your deals moving and your capital protected without losing trust with your borrowers.

You’ll Learn How To:

• Spot the early warning signs that your borrower might be in trouble
• Put the right amount of pressure on borrowers to sell before risk snowballs
• Structure loans to give you more control when the market shifts
• Calculate the actual cost of holding a property too long
• Decide when it’s time to require monthly payments instead of letting interest accrue
  
  

Who This Episode Is For:

• Private lenders worried about rising defaults and stalled flips
• New lenders who want to avoid costly first mistakes
• Experienced investors looking to protect their capital in a slow market
  
  

Why You Should Listen:
The market won’t stay like this forever—but your money is at risk right now. By understanding how to react when borrowers hold out for unrealistic prices, you can prevent minor problems from becoming significant losses. This episode gives you practical, real-world strategies you can use immediately to protect your investments and keep your lending business healthy.

What You’ll Learn in This Episode:
 00:00 Why rising days on market hit private lenders harder than most
 01:00 How flippers in secondary neighborhoods get squeezed
 02:00 Why defaults are up 50% and what it means for your portfolio
 03:00 Using six-month loan cycles to stay flexible in changing markets
 04:00 A real-life lending example—numbers, risks, and potential outcomes
06:00 How small profits make borrowers stubborn (and how to handle it)
 07:00 Why skin in the game keeps borrowers committed
 08:00 The one strategy Rich is rethinking in today’s uncertain market

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/