Are you an investor looking for a top-tier hard money lender to build a relationship with?

Most are free if you don't owe anything, but even a $100 annual fee here or there is worth it to know you have *access* to the money if you need it, later on.

In most circumstances, if hard money was used to purchase the property, there will be a due on sale clause as others have mentioned that would be triggered. 

You will then have a few options with that rent money....you can put it into principal or you can start saving it to purchase yet another property.

Losing a little money or breaking even on a first investment is generally actually not a bad outcome if you can get a lot of on-the-ground learning experiences and mistakes out of the way early

Down payment, hard money, dscr loans, helocs. 

I would rather spend a little more money for the peace of mind.Mark

I tried to find a hard money lender hoping that I can use the hard money loan to put another offer on property and extra funds to replace septic.

You stop worrying about having to maximize every month on every rental because you just don't care if you bring in an extra $50; you'd rather have a stable tenant that pays on time every time and doesn't cause you trouble.

Professional organizations should spend their expertise, time, and money to develop legal contracts with expensive attorneys and then just hand that over to you for free?