Hard money is mostly for flipping properties or using it as a bridge money for a temporary solution if you need more time depending on what type of trouble you get yourself into.

Quote from @Carlos Ptriawan: Quote from @Scott Trench:The solution isn't to not passively invest.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

She could have chosen a much cheaper solution, like go to a coffee shop.

This ongoing relationship can be invaluable for investors looking to scale their operations and build a successful real estate portfolio.In conclusion, a good private money broker acts as a vital partner for real estate investors, providing tailored financing solutions, expert guidance, and ongoing support.

My opinion is that if people were making reasonable business calculations, these types of cases wouldn't even get there as the end result would be a judge having his eyes effectively glazed over and losing confidence in the efficacy of the sub metering solution. 

I can pretty much guarantee you that you wouldn't want to have anything to with them if only you knew.If you want to avoid these risks, there is a solution and I'll illustrate it with my own situation.

Two thoughts, I'm sure you heard of the first:1) Comparison is the thief of joy2) Fast solutions have slow problemsYou go as fast as slow as you can.

No matter what they say at least it shows you're trying to find a solution but the upstairs tenant really is the issue. 

At that point, it's worth researching and finding a solution that better meets your needs.