As an example, I had a resident call me for bail money at two in the morning.

Typically private lenders won’t you CJ long periods of time unless it’s astronomical Interest as money is constantly devalued and $100k today vs 20 or 30 years from now will seem the money essentially worthlessOnly reason it works for banks is because the money they lend actually doesn’t really exist they make it up due to fractional reserve lending

(especially if you're borrowing money for the deal).

It ended up being a great deal as the sellers divorced and needed money and accepted a small portion of the loan as payment in full.

So if I sell the bare land and use the 100k as a down payment on a duplex I basically need to come up with another 100k of my own money to match the down payment if I’m going to live in one half of the duplex?

Lastly, you can use the PREVIOUS lease [if you like it and put an addendum that the original lease stands except for 1. landlord name and place where you pay money?]

I'm just curious whether hard money loans are ever collateralized by anything other than the real estate being purchased.

It almost feels like there is a movement encouraging it.

Apply any money paid first to the bill, then to rent. 

Theoretically in 3 years could I refi and pull out the money she needs and lend it to her to build the house?