Hard Money loans have been the downfall of many new investors. 

I'm having a very hard time with them and on the verge of losing my earnest money on a house purchased to flip.

I lend Hard Money, Fix n Flip, DSCR, and Bridge mainly on the investor side.

People are poor—no way to make money. 

I don't believe Dominion is the only hard money group to do this but that's how they get borrowers like yourself through the door.

You would want to use your money more for a down payment on a good property. 

@Justin Fantazier2.9% is basically free money due to inflation.

I am assuming you know it will lose money most likely?

Working with someone who has done it before can save you a lot of money in the long runI have some some good deals in that market on new construction.Best of luck.

Estimated income at $2000 monthly till my death. 1600 monthly after my death to my wife until her death.My wife has retirement savings/investments totaling  470k  Estimated income at $2000 monthly till death. this increases by 1600 monthly after i die.All of this said out goal is to preserve and enjoy spending our money.