Private Money Loan Terms example needed

[Chris Vasquez]

Hello BPers,

I would like the help of any of you who have either loaned private money or have borrowed private money.
My questions for the sake of this topic are very specific.

1)What terms were you giving/given on the loan?
ex. a)Points or no Points. If so, how many?
b)Points upfront? or back end?
c)What interest rate?
d)What amortization time frame do you use to determine payments. ie. 5,7,10,30years?
e)What is better? Using PML to purchase or I purchase with my cash and use PML as a new first mortgage to do repairs.
Or vise versa? PML to buy and use my cash for repairs.

Assuming the property meets all 70% rule criteria for fix and flip.
Using $100k as an example. Answer a,b,c, and d with numbers.
Letter e, I'd like your opinion.
I'm the type of person that needs to see the numbers. I can't seem to find examples of a loan. All I get are Guru websites.
Thank you in advance
Chris
P.s. If I am missing anything like fees, please let me know.