That money could be helping hold your mortgage balance down and save you money on interest.

Are there any hard money lenders that lend 90%?

I'll admit I did a funded a few deals in the early days that I wouldn't jump on today.I fully expend to have 1 or 2 lose money once I'm at the 50-75 passive opportunities invested.How about you?

.: Top 25 "hard money" lenders (Philadelphia loans only) by volume.1.

Quote from @Christian Solis: When looking for private money how do you guys properly present a fix and flip and how do you structure that deal so they are happy with there return on investment ?  

You would borrow against the equity at 7% or more, then use the money to pay off a credit card?

With all the resources available today to research and learn about the industry, I’m surprised this “easy money” mindset persists.To me, real estate is far from passive or simple.

You need a firm estimate for the remainder of the work as your funds are limited (like most people who don't have an endless amount of money). 

It's a very murky water between Private Money and Hard Money. 

This gets you in the game with minimal upfront costs.Covering the Smaller Costs (Inspections, Appraisals, Earnest Money, etc.)Even when using other people’s money, you’ll need some cash for earnest money deposits, inspections, and carrying costs.