When I was active, the O-4 Good Idea Fairies always tried to re-invent how we did business, and 95% of the time, they overcomplicated a simple process making our lives way harder.

Hey Roy - Congrats on your success!

Rarely are non oral appeals successful. 

If you get past that, it is a fairly easy process.

I’ve had experience with both traditional and private construction loans, and here’s my take:Traditional Lenders: The process can be slower with more paperwork and stringent requirements, but they usually offer lower interest rates.

I've seen some folks buy storage deals at valautions that are going to make success tough for them.  

More conflict, less desire to recognize he value of my experience and resulting success  He started a rehab Dec 1 and left to Europe today.  

Meanwhile during the eviction period, we finalized our architectural plans and started the permitting process in the county so we didn't lose much time.

Data Analysis: AI can process copious amounts of data, including market trends, property values, neighborhood demographics and economic indicators.

The borrower's experience is important, but what's more important is the "Hard Asset," Hard money lenders rely on their due diligence process to determine the potential future value, review the renovation plans to get to that value & sometimes even the contractor.