First Time Working With Notes

[Sandra Ruiz]

Hello Everyone,

I am a new investor and I have a client that wants to sell a hard money loan.

The current loan amount is $180,000 and it has 120 payments left. It is currently at 12% interest and she wants 8%. She also wants an additional $40,000 cash for property upgrades, it to be a principle and interest loan (not interest only) and no balloon with a 15 year term.

I am guessing she will have to be more flexible in her wants.

How would I structure this so that it's a win-win for all parties?