US Prime Rate is used by consumers – it is the rate at which banks lend to their best customers."

If not we replace and charge the customer for time and materials.  

Everybody I have called said no except for one company that only does portfolios with established customers

What role do private money lenders and hard money loans play in creative real estate financing, and how can investors effectively utilize them?

This applies in most areas of life, but if someone is simply agreeing with you, dropping PM fees down a percentage or offering discounts up front and sounds a bit desperate, they could be experiencing high turnover and poor customer retention.

She used a lot of private lenders and wasn't a high income earner.  

They are acting as your private lender.

As a private money lender, I'm curious to hear what makes an ideal lending relationship for you and how I can better support investors looking for flexible and fast funding solutions.

I no longer work from a place of scarcity.I set myself up for success and work from a place of abundance.I have built my cash buyer list to close to 5,000 buyers, invested into a coaching program for private lending, and developed multiple exit strategies to be ready for any situation that presents itself.It let's me earn $40k per deal consistently today and occasionally hit some $90k+ homeruns.Embrace your mistakes, learn from them, and adapt.This is the only way to grow.

Me not being an accounting guru....depreciation was a bit tricky to set up, however they have a few guides, customer support may walk you through it and searching via google will help you put the correct entries.