Many deals will never work for hard money but you would be surprised.In the past when I funded deals with hard money (as the lender) I found it very funny that borrowers wanted to split the profit rather than pay hard money rates.

At a 50/50 split (which I think is fair) Is it more or less profitable for YOU than if you borrowed hard money when all is said and done?

I purchased my home in January 2016 with an FHA 203K at 4.5% with a Non-Occupying Co-Borrower.  

To purchase this house, I was able to take out an FHA loan and then borrow a little from my IRA (which was paid back).

Hello,Can anyone recommend financial advisory companies that work with real estate investors? We have a portfolio of single family properties operated under LLC's and in need of advice where we can obtain refinancing ...

Borrowers have excellent retirement incomes from several source and good credit.  

. ($70k x 143% = $100k).It shouldn't matter if $50k of that $70k was already borrowed money - the Refi pays it out and you still get back your original $20k deposit.

Just saw this story here: http://bit.ly/2d6Px2RThe gist of it is that beginning tomorrow Saturday 9/24/16 lenders will now consider a mortgage applicant's payment history over 30 months to determine their credit worthiness.It is called "trended credit data".Borrowers that pay in full are seen as less risky and may qualify for a lower interest rate and borrowers that just pay the minimum payment will be considered higher risks.The old trick of avoiding large purchases right before closing on a mortgage and keeping your credit nose clean for a few months will not work.Bad news for flipping because it will shrink the buyer pool as more people will have a harder time qualifying.

This seems like a lot of money to borrow and that it will take so long to pay off.

You never have to go to settlement, you never need to borrow money – as long as you are controlling real estate -  this is the highest form of areal estate leverage in the universe, ( selling something you do not own) once you perfect this system you'll make nothing but money.