First Time Private Lending

[Tory Kelliher]

Hi, I'm new to biggerpockets and looking for some advice on first time lending. I am thinking about privately lending to a friend who has many years of successful REI experience. One of my concerns is usury laws. I live in California and here the law limits non-exempt private lending to 10% annual interest. My borrower lives and will be buying property in Massachusetts, where the law allows private lending at up to 20% interest. Does anyone know how the usury laws apply to private lending across states? Lets say he is offerering 10% interest and 1 point. Would this violate California usury law? Also, any recommendations on a good REI friendly lawyer in the Los Angeles area?