Vetting A private Investor

[Jeremy Hazelwood]

In my search for Private Investors for my rehabs, I have came across so many fakes, I lost money back when I first started and I even met the guy face to face! Of course I learned never pay up front fees. Moving ahead to the present, I have had random calls and emails after I put some of my projects out there telling me they want to lend. What is the best way to Vet a private lender who says they are lending with their own money or with partners?? I want to be cordial and not seem suspicious but when I am paying 13% and somebody calls me and says they will lend at 6% only I am a bit boggled.. Obviously that is way more than what the bank would pay if its just sitting in an account.. but......