Hard Money: Local vendor vs nation wide provider

[Marcus Smoot]

Im curious the preference of investors using hard money. Does it matter if your lender is local or across the country? My non-experienced opinion is I would prefer a local lender for three reasons. One, I assume the inspection to do a draw would be cheaper. Two, Local provides the capability of building a more intimate relationship. Three, It just seems like things would be easier when located in the same area.

To my experienced hard money users. Am I over thinking this?