I had to rip out a long stretch of concrete in a fix and flip gone bad (I was the lender and took it back after the borrower defaulted).

That's not worth it.So many people push investors to borrow against their equity, borrow from grandma, borrow, borrow, borrow!

My "rehab affiliates" work with four different banks in the area lowest amount borrowed for a rehab we did was 18,000 purchase + 25 rehab, highest amount just approved by same bank last week was 450,000 purchase and 200,000 rehab money.

i'll just add to what others have said - it's negotiable. but I would consider if the juice is worth the squeeze. i just had this conversation with a client looking to borrow $100k.

What key factors should first-time borrowers consider when securing funding for their initial real estate investment?

Unless you are building Rental units, the SF Retail market construction market is not doing well, hopefully your builder is borrowing money at sub 10% interest rates.  4 years ago, a lot of builders were only factoring in 3% for total loan costs, I would think that the carry costs would be 10% or more currently.  3.

As a hard money lender, I specialize in helping new investors secure the funding they need for their flips, focusing more on the property's potential rather than just the borrower’s experience.

Is anyone savvy on alternative/ creative ways to pull out/ borrow against equity in order to use the capital toward another project? 

Our signature was forged as the "borrower" and the notary notarized the signature of the supposed lender-for $98,000.

I am exploring my options for borrowing against a property that I am the legal title holder to.