Are you referring to market conditions, the pre-approval process, or something else?

As a layman, I don't run into them, and usually need my cpa to reference one / send it to me to read to educate myself.  

Sometimes people confuse hard money with PRIVATE LOANS, which refer to individuals who lend their savings as investments.

When you say a man in debt is a slave, are you referring to debt used for personal items, or are you including debt used to acquire income producing or capital appreciating assets also?  

That’s the network I use to refer my clients out of state and I’ve always found top tier agents.

Most of my screening comes from gumshoing social media, web court searches and following up on references.

I often wonder why folks fall for the hey pay me 10k up front to join my club I will fund your deals when in fact they just refer to a HML to fund them and we will split profit 50 /50.. my profit splits are no where near that  80/20  70/30  bigger side going to the capital partner I want them to grow and continue I dont want them wishing they never should have spent 10k or more on some program..

Similar to what @Frank Chin was saying.Sean Whalen from Vintage law is someone I've been referred to recently.

My rental is in Upstate NY and I have a great lawyer that I could refer to you who could help you draw up the appropriate lease.

Please forgive me if that's not what your referring to but when i see "involuntary conversion" i immediately think 1033