A lot of private lenders will use their white label program to appear as a direct lender, however it is just another loan broker.

I would like to offer mine for $395k as a private sale.

If you still want to get my personal opinion about any of this or other things, feel free to send me a DM and I'll share it in private.

The biggest impact to your credit is payment history.Next biggest impact is your credit card utilization. 

They basically are requesting private lending for their rehabs, say 35k, with a promise of a 60% roi in ~50 days with a committed buyer the ARV.

It is possible that it has been moved way down the list.Have you tried searching on a private or incognito browser to see where it shows up when you do a search?

Purchase price: $242,500 Sale price: $430,000 I used private lending to cover the down payment and closing costs, then paired it with a hard money loan to fund the project.

The biggest indicator that they should not be comped against each other is from the market price of each.  

It’s a beautiful custom home, one of the nicest in a so-so Oakland neighborhood ("biggest house in not the best area").Here’s the context:- Bought in 2014 for $590k, appraised in 2022 for $1.2m.- Located in a C- to B neighborhood—close to amenities and mostly safe but not for everyone.- Converted to a rental in 2024; initially rented for $4,750/month, but tenants moved out, and the soft Bay Area rental market has made filling it challenging.

Hey Mike - Since Airbnb doesn't allow videos on listings, a lot of hosts are sharing private tours through platforms like Instagram, YouTube, or Google Drive.