What key factors influence your decision to partner with a lender for private money in real estate?

This is an example of private lending which is different than the IRA owning real estate and does not trigger UDFI/UBIT tax.

If you announce to people there that you are a private lender, you'll have a lineup around the room to talk to you.  

Quote from @Karen Smith: With more investors turning to private money lenders for faster funding, what benefits have you seen from using private financing versus traditional bank loans? 

I have been trying to save up money but it is not near a down payment for a traditional loan.

You can also tell her to call the utility company about the best way to save, as turning off heat and on is not efficient having to run longer blasting out cold air as opposed to leaving it set at a lower temp. :)

If you don’t have a large down payment saved up, don’t worry—there are plenty of options available . . .”A trusted lender will go over the various loan types with you, any down payment requirements on those, and down payment assistance programs you may qualify for.

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

I have had my butt saved many times by attorneys and I am grateful for that.

I have deals needing funding and want to ensure I'm structuring them in a way that's competitive and appealing to private lenders.