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Why We've Been Doing So Many Hard Money Refinances Lately - #323

Why are hard money refinances suddenly everywhere? In this episode of the Private Lenders Podcast, Chris and Jason break down the recent private lending refinance boom—what's driving it, why it's different from traditional refi cycles, and how private and hard money lenders can capitalize on these opportunities while managing risk.

Unlike conventional refinance booms fueled by low interest rates, today's surge in hard money and private lending refinances is being driven by shifting capital markets, loans getting called due, tighter bank lending, and borrowers needing fast, flexible bridge capital. Chris and Jason share real-world case studies, including low-LTV refinances, free-and-clear rental properties, commercial properties, and situations where banks simply won't move fast enough.

They also dig into:

• The pros and cons of hard money refinance loans

• Why exit strategy is the biggest risk in refi deals

• Cash vs. equity (and why it matters more than credit score)

• Inherited property refinances and why they're riskier than they look

• Common compliance pitfalls (consumer vs. business purpose loans)

• Why pulling credit and reviewing prior HUDs, notes, and deeds is critical

• When "payoff in cash" can actually be a realistic exit

If you're a private lender, hard money lender, or real estate investor, this episode will help you better underwrite refinance deals, avoid costly mistakes, and spot opportunities others miss.

👇 Listen now and get smarter about hard money refinances.

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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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