AAPL has been trying to stop using the word hard money because it has a negative connotation and move everything over to private lending.But Ned is right, I had always viewed it the way he has as well, but as a lender I have no friends, so I guess them I am allowed to use it interchangeably.The Demise of “Hard Money” in a Private Lending World | American Association of Private Lenders (aaplonline.com)

The reward is certainly not worth the risk. 

It requires time and effort and from that investment, you will be rewarded. 

I completely get where you're coming from; the fear of starting can be daunting, but the rewards of pushing through that fear are immense.I’m involved in real estate investing, specifically focused on new construction duplexes in Indianapolis.

This is why I think the best reward for a referral is the promise that you will take care of the client and send them right back to the realtor for all future deals.  

Most people don't do them because they take a lot of time and effort - and hence those who do it are usually rewarded.

It’s a powerful tool but requires careful management to balance risks and rewards.

Paying Yourself (10-15% of Income)Rule of Thumb: Pay yourself 10-15% of your net income after expenses.Why: It’s important to reward yourself for your efforts and sustain your personal finances.

The homes we build will continue to stand long after we're gone, providing homes for generations of families.Focus on giving more in value, and the rewards will naturally follow.

There is a bit of upside and downside for you but worth the risk/reward for what feels like a cleaner break