Lending Your Own Money
One of the biggest lessons I've learned in hard money lending is that not all capital is equal.
Most lenders don't start with $8 million, $10 million, or $20 million of their own money to lend. That's why many of us begin by working with co-investors and using other people's money, but the goal is usually the same: get more of your own capital into your deals over time.
In this short clip, I explain why having more of your own money in your loan portfolio can have a major impact on your profitability and long-term success as a lender.
Hard Money Lending Terms
One of the biggest mistakes new lenders make is not understanding how loan pricing impacts profitability.
In this short clip, Rodney breaks down a simple hard money lending example using points, interest rates, and loan terms to show how lenders calculate returns. While every market and lending business is different, understanding the fundamentals is essential if you want to build a profitable private lending operation.
If you're interested in hard money lending, private money lending, real estate financing, or lending your own capital, this is a concept you need to understand.
Hard Money Lending Models
Can you make $1 million a year as a hard money lender?
The answer depends on one key question: Are you lending your own money or other people's money? In this short clip, Rodney explains the two primary lending models and why the path to profitability looks very different depending on the capital you're using.
If you're interested in hard money lending, private money lending, or building a lending business, understanding this distinction is critical. Watch to learn which model can get you to your income goals faster.
How to Make $1 Million a Year as a Hard Money Lender
In this video, I’m breaking down How to Make $1Million a Year as a Hard Money Lender and showing the real numbers behind building a profitable hard money lending and private money lending business.
I walk through how a hard money lender or private money lender can use real estate investing, fix and flip loans, bridge loans, and asset based lending to build a serious lending business. If you want to make money lending money, this video will help you understand the math behind real estate financing, loan volume, operating expenses, and profit.
I also explain the difference between using your own capital, investor capital, and other people’s money through OPM real estate strategies. Whether you’re interested in hard money loans, private money loans, raising private money, or providing real estate funding for investors, I’ll show you what it actually takes to scale toward a million-dollar lending business.
If you’re looking for passive income real estate opportunities or want to understand how private lenders make money, this breakdown gives you a practical look at the numbers.
00:00 $1M
01:02 Overhead
02:07 Your Money
03:38 Others Money
05:34 Hybrid
About Rodney Miller:
Rodney started his career in real estate investing in 2003. Since that time he’s been a principal in over 300 real estate investment transactions. Rodney started casually loaning money to other investors around 2005. In 2020 Rodney decided to go all in on private lending and started Hard Money Partner LLC. He currently has about $4mm in loans with about 10 hours a week of time invested in the private lending business. Rodney has been married for 23 years and has 3 awesome kids and 3 dogs. Rodney lives and operates HMP out of his office in Oklahoma City. HMP’s service area is Oklahoma, and north Texas, more specifically, the Dallas/Ft Worth Metroplex.
Borrower Resources:
Apply for a loan
https://tinyurl.com/HMP-Loan-App
Guaranteed loan report
https://tinyurl.com/Get-A-Loan-Guide
How to flip a house report
https://tinyurl.com/House-Flipping-Report
Investor Resources:
How to invest with Hard Money Partner
https://tinyurl.com/Invest-with-HMP
A Beginners Guide to Private Lending- By Rodney Miller
https://tinyurl.com/Private-lending-book
Rodney is available for consultation on all things hard money lending, whether it be borrowing, Investing, or starting a lending business.
Book a call with Rodney to discuss the lending business:
https://api.leadconnectorhq.com/widget/bookings/talk-to-rodney
YouTube Url: https://youtu.be/sxFcEZJe65o
Join us on:
Facebook
https://www.facebook.com/hardmoneypartner
Instagram
https://www.instagram.com/hard.money.partner/
Linkedin
https://www.linkedin.com/in/rodneymiller/
Twitter
https://twitter.com/RodneyHMP
TikTok
https://www.tiktok.com/@hardmoneypartner?lang=en
Video hashtags:
#hardmoneylender #hardmoneylending #privatemoney
Don't Increase Your Risk
Hard money lending can be extremely profitable, but it’s also a risky business that a lot of new lenders underestimate. Defaults, foreclosures, write-offs, legal costs, and lost principal are all part of the game if you stay in this business long enough.
In this video, I explain why experienced hard money lenders charge higher rates, why racing to the bottom on pricing is dangerous, and how one bad loan can quickly turn into a major problem if your underwriting and risk management aren’t solid.
Undercutting Can Backfire
A lot of new hard money lenders scale fast for one reason: they undercut everybody.
They offer lower rates, higher loan-to-values, little to no down payment, and make it way too easy for borrowers to get into deals. In this video, I explain why those aggressive lending strategies can look great in the beginning… until the defaults and foreclosures start showing up.
New Lender Euphoria
YOUTUBE
A lot of new hard money lenders get caught up in what I call “new lender euphoria.” The cash flow starts coming in fast, deals are closing, everything feels easy, and it seems like the perfect business… until the problems start showing up.
In this video, I talk about the dark side of hard money lending, the mistakes new lenders make, and why so many people underestimate the risks in private money lending. If you’re thinking about getting into hard money lending or real estate investing, this is something you need to understand early.
Hard Money Lending Has a Dark Side Nobody Talks About
Hard money lending has a dark side nobody talks about. In this video, I break down the real risks of hard money lending and private money lending, including foreclosures, borrower defaults, bad underwriting, and costly mistakes I’ve seen over the years in real estate lending.
If you want to know how to become a private money lender, how to become a money lender, or how to get into hard money lending, you need to understand the risks before you start lending. Whether you’re borrowing hard money, using private money for real estate, or building a hard money business, conservative lending and risk management matter more than most people realize.
About Rodney Miller:
Rodney started his career in real estate investing in 2003. Since that time he’s been a principal in over 300 real estate investment transactions. Rodney started casually loaning money to other investors around 2005. In 2020 Rodney decided to go all in on private lending and started Hard Money Partner LLC. He currently has about $4mm in loans with about 10 hours a week of time invested in the private lending business. Rodney has been married for 23 years and has 3 awesome kids and 3 dogs. Rodney lives and operates HMP out of his office in Oklahoma City. HMP’s service area is Oklahoma, and north Texas, more specifically, the Dallas/Ft Worth Metroplex.
Borrower Resources:
Apply for a loan
https://tinyurl.com/HMP-Loan-App
Guaranteed loan report
https://tinyurl.com/Get-A-Loan-Guide
How to flip a house report
https://tinyurl.com/House-Flipping-Report
Investor Resources:
How to invest with Hard Money Partner
https://tinyurl.com/Invest-with-HMP
A Beginners Guide to Private Lending- By Rodney Miller
https://tinyurl.com/Private-lending-book
Rodney is available for consultation on all things hard money lending, whether it be borrowing, Investing, or starting a lending business.
Book a call with Rodney to discuss the lending business:
https://api.leadconnectorhq.com/widget/bookings/talk-to-rodney
YouTube Url: https://youtu.be/9eqSq7LCcHY
Join us on:
Facebook
https://www.facebook.com/hardmoneypartner
Instagram
https://www.instagram.com/hard.money.partner/
Linkedin
https://www.linkedin.com/in/rodneymiller/
Twitter
https://twitter.com/RodneyHMP
TikTok
https://www.tiktok.com/@hardmoneypartner?lang=en
Video hashtags:
#hardmoneylender #hardmoneylending #privatemoney
Building a Hard Money Team
If I had to rebuild my hard money lending business from scratch, one of the first things I’d do is build the right team. A good real estate attorney, foreclosure attorney, appraiser, bookkeeper, and accountant can save you from expensive mistakes before they happen.
In this short, I break down why understanding state laws, foreclosure processes, and property valuations is critical if you want to survive in the lending business.
#HardMoneyLending #PrivateMoney #RealEstateInvesting #HardMoneyBusiness #RealEstate
