Private Lenders' Podcast

Should We Do This Loan?


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A borrower with a 487 credit score, a partially renovated inherited property, and a limited budget walks into a hard money lender asking for a $100,000 loan. The catch? The loan would sit at just 25% of the property's after-repair value (ARV).

Would you fund this deal?

In this episode of the Private Lenders Podcast, we break down a real loan originated by Hard Money Bankers and walk through the numbers, borrower profile, collateral, exit strategy, and risk analysis that went into the decision.

You'll learn: • Why low LTV doesn't always mean low risk • How experienced lenders evaluate borrowers beyond their credit score • The importance of equity, borrower investment, and downside protection • How private lenders think through difficult lending decisions in today's market

Would you have approved this loan or passed on it? Let us know in the comments.

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Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered.

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Private Lenders' PodcastBy Hard Money Bankers - Jason Balin and Chris Haddon