Need some help for determining a MOA

[Oscar Quintana]

Hope everyone is doing well!

I’m looking into some deals currently and am struggling to get my MOA since I’ll be using a hard money lender. How do I factor the hard money lenders numbers into my whole MOA.

Also does anyone know a hard money lender in the Miami area? I’ve spoke to a few but they usually take forever to respond and are very passive.

Thoughts and opinions on hard money lenders?