How much should borrowers track record matter when private lending?

[Taylor Green]

Hi,

I was interested to see how much a borrowers track record should matter when you are thinking about lending on one of their properties.

If a borrower seems trustworthy and has a long, flawless track record would you feel comfortable loaning at almost a 100% LTV, compared to that of somebody who doesn't have as long of track record, but at 70% LTV?