While a 3.5% return seems low, the buyer profile for this asset was individuals in wealth preservation mode.

I only advise going direct if you have a large portfolio or do similar acquisitions and your lender already knows your profile.

if you already sent him some money and he now wants more then I can tell you that you have run into a fake lender scammer.. on line profiles mean diddly squat.U can play the private lender game all you want.. just never ever send them any advance fee's unless you pay for a 3rd party appraisal directly to the appraiser..

The higher the stakes (as in value, timeline or risk) the stronger lender profile and performance will be required. 

Jay,Your comment has me thinking someone could make a private social network where newer flippers can find hard money lenders, and their profile can include assets, experian boost (or experian connect) type of data (Experian boost connects to bank accounts to show financial stability [good for marketing data!])

Complete your BP profile to outline the areas you service, strategies you are familiar with, and the best ways to get in contact with you.2.

So far, FTF has performed as advertised and I get timely and thorough reports on status for each project with financials, progress, risk profile and photos.There is a bit more risk associated with these one-off investments, however the low entry makes that more tolerable.

Also how to build up my profile/portfolio as an investor.

Here’s the weirdest part: 1- minutes later, he opened the house door and got in. 2- the phone number listed on his profile is out of service. 3- the phone number he called me from, is VRBo customer service number! 

. - Look for public rental and for sale listings, find agents who are on buyer and seller side and analyze their profile.