Hard Money Lending After Corona

[Chad Stark]

Anyone having any luck with hard money lenders?  All lenders have changed their rates and terms last minute because the investment bankers are not buying.  Instead of 10% down on a fix and flip I am quoted 20-35%.  Instead of 20-25% down on rental loan, I'm being told all rental loans are on "pause"

The only lender I am having luck is one who has their own capital. 

Does anyone have recommendations on lenders who use their own capital?