Philadelphia Hard Money Lending Market Conditions

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Looking for local investors in the greater Philadelphia area willing to provide their thoughts on local hard money lending. What are some of the criteria that you have considered in comparing lenders aside from LTV, points and interest rate? What are some "soft" considerations? Or is local lending mostly commoditized? Any opinions on working with a local lender vs. a national player? Thoughts on current market rate?

Thank you very much for your insights in advance.