Also, another thing to note, it is much more beneficial for the borrower to go directly to a seller/servicer who can originate this debt directly.  

I would be more than happy to recommend a few that I’ve worked with and trust.Let me know if you need any assistance on the acquisition side as well.

We are borrowing 250k over 3 monthsWe just received their estimated settlement statement which seems to carry a significant amount of junk fees:Amount requested                                   250,000.00type                                                             2nd trust deedterms:                                                         no pre payment penalties after 3 monthsrate                                                             10%Points 1,75                                                4,375.00lender Underwriting                                795.00lender Admin                                            700.00lawyer fee                                                   1,000.00Escrow Fees                                                450.00title co Property Inspection Fee              75.00Notary Fee                                                  175.00Electronic Recording Fees to title co       20.00Lender Refinance Policy to Title co         1,032.00Endorsement - estimate to Title co         125.00Recording Fees to Title co                         75.00Deed of Trust Recording to title co         150.00total junk fees                                             $4597It is the first time we use a hard money lender, but to me 50% of these fees are avoidable and should be negociatedCould you guys give me your opinion about these terms and what are the fees you'd pay and wouldn't?

, heavy industrial, office buildings, nursing homes/assisted living facilities.I would be happy to send you some more info, feel free to PM.Best of luck!

I would find a good loan mortgage company and get pre-qualified as to fico score, and how much can borrow.

Borrowed money that you repay is not income to you nor is the repayment of the loan a deduction. 

You can borrow 50% of the money in those accounts, you can schedule to have it paid off over up to 5 years.

One I bought from a neighbor , one from a drive by while doing service calls , one from a customer , and one from a friends mother after she went to assisted living . 

Happy to assist and network

Good luck and let me know if I can be of assistance.