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Montegra's Hard Money Blog

5 Reasons to Develop Relationships with Hard Money Lenders

It can be extremely difficult, especially in the current lending market, to obtain financing for unconventional projects or deals, regardless of how potentially bankable they may be. This is why getting to know local hard money lenders is important to real estate investors, because these are the lenders they will turn to when they have […]

3 Tips for Finding a Quality Source of Private Capital

Although getting approved for a hard money loan is not that difficult, finding a reputable hard money or private capital lender is often the more challenging task. Here are three tips to help you find a quality source of private funding for your out-of-the-bank projects. Seek out a lender with sufficient capital resources. Experienced hard […]

How Hard Money Lenders Determine Loan-To-Value Ratios

High interest rates are typically cited as the biggest downside to loans from private, or hard money, lenders; however, in actuality, reputable private lenders’ rates are usually not that far off from the long-term average rates for investment property mortgages. Furthermore, most private lenders offer interest-only payment schedules for the loan term, which is typically […]

4 Private Lending Myths Debunked

The myths about private lending are numerous and varied. The most prevalent is perhaps the misconception that hard money is so named because it is hard to get (in fact, it can be much easier and quicker to qualify for a hard money loan). Below we debunk four other common misunderstandings about private lenders and […]

4 Situations When Hard Money Loans Are Better than Traditional Commercial Loans

Hard money loans aren’t the answer to every deal, but they are the answer for some deals that are unlikely to come to fruition if you only seek financing from traditional lenders. Here are four common situations in which having a hard money lender in your financial toolkit can definitely pay off.  Purchases requiring a […]

Colorado Property Values Are on the Rise: What This Means for Your Property Taxes

According to the Colorado Division of Property Taxes, residential and business property values have experienced significant increases over the past two years (from June 30, 2012, to June 30, 2014). Residential property values are reported to have increased statewide by 14.3 percent, while commercial property values have gone up by 9.4 percent, industrial has risen […]

Increase in Bridge Loan Requests During Q1 2015

The first quarter of 2015 saw a huge increase in the demand for bridge loans as many borrowers trying to obtain commercial mortgages from traditional lenders encountered delays. In order to counter the obstructions from the banks, many are turning to bridge loans to provide the necessary short-term funds until long-term funding can get approved. […]

Update on Marijuana Banking in Colorado

When MBank announced in January that they would accept accounts from marijuana-industry customers, it briefly seemed as though the banking problems for the newly legal industry in Colorado might finally have a solution. However, that hope was quickly doused when, after only a week, they backed out of the Colorado market citing lack of infrastructure. […]

3 Common Bridge-Loan Scams that Borrowers Should Know About

Bridge loans have become an increasingly popular and essential segment of the lending industry, especially for those wishing to purchase commercial and investment-purpose residential real estate. This increase in availability has also brought about an increase in the number of loan scams, especially within the tightly controlled commercial lending sector. While loan scams have always […]

How to Negotiate With Your Hard Money Lender

Despite their name, working with hard money lenders can be much easier than with their conventional counterparts. The majority of these lenders are focused on bringing flexibility and transparency to their business deals as well as restricting the amount of red tape that borrowers have to deal with. Nonetheless, here are a few secrets to […]

Private Money in 2015: 3 Trends You Should Know About

With the new year now in full swing, there are three overall trends to watch for in the private capital lending market: An increase in commercial hard money loans. As the housing market settles into a state of equilibrium for the most part, it is likely that there will be an upswing in hard money […]

Hard Money Loans: Are They Becoming the Norm?

The recent recovery and subsequent boom of the real estate market has differed from past events in one significant way: it has happened in spite of the banks rather than because of them. Hard money lenders have stepped in where banks have been unable to lend and have proven to be a more reliable source […]

5 Tips to Get a Better Hard Money Loan

Hard money isn’t the answer for every real estate investment but, wielded properly and effectively, it can help you take advantage of lucrative opportunities. Here are some tips to help you maximize the benefits of your hard money loan. Find the right deal. Hard money loans are more expensive than conventional loans, but there are […]

Improve the Appraisal Value of Investment Real Estate

Getting the best appraisal value for your investment-purpose property is crucial to securing any necessary financing and ensuring that you will be able to eventually sell it for the maximum profit. So how can you ensure that it appraises well? There are six inexpensive tips that can add hundreds, or even thousands, to your property’s […]