Private Money Lending Trends — What Are You Seeing in 2025?

[Andy Gonzales]

Hey everyone,

Curious to hear what others are seeing in the private lending space lately. Over the past few months, I’ve noticed rates and terms shifting quite a bit depending on market and deal type.

For those who lend or borrow privately —

• What kind of loan structures are you seeing most often right now?

• Are lenders tightening up, or still staying flexible with LTVs and experience requirements?

• Any creative funding setups you’ve come across lately?

I’m always interested in how other investors are structuring deals and adapting in this market. Appreciate any insights from those active on either side of private money lending.