Risks of lending on tenant occupied properties - #300

Sep 26, 2025

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Risks of lending on tenant occupied properties - #300

In this episode of the Private Lenders Podcast, we break down the risks of lending on tenant-occupied properties and why these deals can get complicated for private lenders and hard money lenders. From underwriting challenges and tenant issues to defaults, foreclosures, and eviction nightmares, we share real-world examples of how occupied properties can impact your loan performance and exit strategy.

Whether you're an experienced private lender or just getting started, understanding how tenant occupancy affects ARV, refinancing, cash flow, and risk exposure is critical. We cover:

How ARV changes once a property is occupied
Risks with tenants in fix & flip vs. BRRRR deals
Eviction laws, defaults, and jurisdictional challenges
Why borrower sophistication and skin in the game matter
Case studies of occupied property loans that went sideways

💡 Takeaway: Every lender will eventually face occupied property scenarios. Knowing how to structure deals, evaluate borrowers, and protect your capital makes all the difference.

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Listen to the full episode now and learn how to protect yourself when lending on tenant-occupied properties.

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