Hard money and private investing are both ways to finance flips, but they work a little differently.Hard money loans are typically from companies or private lenders that specialize in short-term, high-interest loans.

We use a combination of HML and our private investor network.

You state that you have 20% - 25% equity position for safety, but you don't based on the information you gave. 

Belly to Belly is the best way for private money..

I also completely understand the frustration of navigating through "Joker brokers" and fake lenders who promise more than they can deliver—one of the biggest challenges in the industry today.Regarding your approach to accrual-based repayment options, that’s a huge help for flippers managing tight cash flow, and it's great that you offer that flexibility.

Quote from @Christian Solis: When looking for private money how do you guys properly present a fix and flip and how do you structure that deal so they are happy with there return on investment ?  

I'm looking to scale & use private lenders to expedite closing.

one thing is your lending your money way under what private money should charge. unless your just doing your friends a favor..

Not 100% but we were doing that pre '08', and it was based off our model not drawn from anyone else. 

Quote from @John Williams: Has anyone been on the lender side of private money and had a bad experience that they are willing to share?