Private Lenders' Podcast

The Most Overlooked Underwriting Step in Hard Money Lending: Exit Strategy - #312 In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon break down the most overlooked underwriting step in hard money lending: the borrower's exit strategy. Whether you're a private lender, hard money lender, or active real estate investor, understanding how your borrower plans to pay off your loan is one of the most critical pieces of the underwriting process—and also the one most lenders get wrong. With over 4,000 funded deals, Jason and Chris share real examples from their portfolio, including: ✔️ Why refinance exits fail more often than borrowers admit ✔️ The red flags you should look for before approving a loan ✔️ Why credit repair + "I'll just refinance later" is rarely a viable plan ✔️ How inherited properties and unsophisticated borrowers add hidden risk ✔️ Why mixed-use and commercial deals require longer timelines and lower LTVs ✔️ What addendums and upfront agreements can do to protect your position ✔️ How to avoid loans that get stuck on your books—and become expensive nightmares From borrower psychology to collateral type to real-world case studies (including foreclosures, bankruptcies, and inherited properties gone wrong), this episode pulls back the curtain on how seasoned lenders underwrite exits before writing a term sheet. Whether you're building your private lending business or tightening up your underwriting process, this conversation will help you protect your capital, reduce defaults, and build a cleaner, more profitable loan portfolio. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

The Script Real Hard Money Lenders Use to Close More Deals FAST - #311 Want to close more hard money loans fast? In this episode of the Private Lenders Podcast, Chris and Jason break down the exact sales script real hard money lenders use to increase conversions, build rapport with borrowers, and confidently quote lower leverage without losing deals. Whether you're a private lender, hard money lender, loan officer, or part of an origination team, this episode shows you how to stop sending lazy email quotes and start using a proven call script that actually closes deals. Chris and Jason reveal: ✔️ The #1 mistake lenders make when quoting deals ✔️ How to build rapport in the first 10 seconds ✔️ The needs-analysis questions every lender should ask ✔️ How to price-anchor loan amounts the right way ✔️ How to overcome objections on leverage, rates, and cash to close ✔️ Why you must get borrowers on the phone—not email ✔️ The closing timeline trick that boosts commitment ✔️ How they train their teams and Mastermind members for higher conversion rates These scripting tactics come from 15+ years of originating private loans, running Hard Money Bankers, and coaching hundreds of lenders inside the Hard Money Mastermind. If you want higher margins, better borrowers, and more confidence quoting deals, this episode is your blueprint. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

The Loan Servicing Software That Hard Money Lenders Won't Stop Talking About (Including Hard Money Mastermind Members) Unlock the loan servicing software that hard money lenders cannot stop talking about — including members of the Hard Money Mastermind. In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon sit down with Bryce Matheson for a full demo of Lendr Software, one of the fastest-growing loan origination and servicing platforms in the private lending space. If you're a private lender, hard money lender, fund manager, or note investor looking to streamline operations, automate payments, manage borrowers, track capital, or impress investors with clean reporting — this is the software demo you need to see. ▶ Check out Lendr Software: https://LendrSoftware.com (L-E-N-D-R Software.com — tell Bryce the Private Lenders Podcast sent you!) Whether you're listening on audio or watching the full video walkthrough on the Hard Money Mastermind YouTube channel, you'll get an inside look at how lenders are using this technology to scale their portfolios. What You'll Learn in This Episode • Why more private lenders are switching to Lendr Software • Live demo of borrower portals, investor dashboards, ACH payments & automation • How lenders can track capital, maturities, applications, and pipeline forecasting • Tools for underwriting, pull-credit features, document portals & draw requests • How repeat borrowers use the platform (and how it saves lenders hours each week) • How investor reporting, statements & tax docs are automatically generated • Dashboard metrics every lender should monitor ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

Should You Sell Your Defaulted Notes? Process, Pricing & Insights - #310 As a private lender, the big question eventually comes up: does it ever make sense to sell a defaulted note? The answer… it depends. In this episode of the Private Lenders Podcast, Chris and Jason break down the real strategy behind selling non-performing notes (NPNs), who buys them, when it's worth considering—and when it's better to ride it out yourself. If you're a private lender navigating late payments, defaults, foreclosure timelines, capital deployment, or debt fund pressure, this conversation will save you time, money, and headaches. 🔍 What We Cover in This Episode: When selling a defaulted note actually makes financial sense Pricing, payoff scenarios & real-life examples Interested vs. third-party note buyers How second lienholders + business partners become natural buyers Structuring profitable exits without giving away equity Why month 2–4 of default can be the sweet spot for selling What note buyers look for—and what makes them walk Why early defaults may cure, and late defaults become too expensive How debt funds think about capital vs. time in non-performing assets Due diligence and legal considerations when transferring a note 💡 Key Takeaway: Not every defaulted loan belongs on your balance sheet forever. If the numbers work, the buyer is motivated, and you're ready to redeploy capital—selling a non-performing note can be a win-win… but only in the right circumstances. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

Building A $10 Million Hard Money Loan Portfolio Want to know exactly how to build a $10 million hard money lending portfolio—even if you're starting from scratch? In this episode, Jason Bailin from Hard Money Bankers breaks down the full blueprint his team has used to scale multiple lending offices to $10M+ in active loans across different markets. With 19 years in the industry and a portfolio of $50M+ annually, Jason walks through every step of the process, including lead generation, underwriting, capital structures, team building, and the financials behind running a profitable private lending company. In This Episode, You'll Learn: ✔️ How long it really takes to build a $10M loan portfolio ✔️ The exact lead generation system HMB uses (online + offline) ✔️ Risk management + underwriting essentials (LTV, ARV, borrower cash to close) ✔️ Capital structure options — funds, direct placement, unsecured debt & more ✔️ The hires you actually need to scale (and when to make them) ✔️ Tech stack recommendations for private lenders ✔️ Real financial breakdown: revenue, expenses & net profit on a $10M portfolio ✔️ What your portfolio looks like if you're lending your own capital vs. raising capital Whether you're new to private lending or already operating and looking to scale, this episode gives you a complete roadmap to build a sustainable and profitable hard money lending business. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

Biggest Takeaways From Our Live Hard Money Mastermind Event in Atlanta GA - #309 We just got back from our Hard Money Mastermind event in Atlanta, GA — and this was one of the best meetups yet. In this episode, Jason and Chris from Hard Money Bankers break down the biggest insights, strategies, and conversations shared by top private and hard money lenders from around the country. Whether you're scaling your private lending business, raising more capital, or trying to improve deal flow, this recap is packed with real-world tactics that are working right now in the industry. 🔥 What You'll Learn in This Episode • The newest trends in private lending vs. hard money lending terminology • How top lenders are increasing deal flow through online + offline marketing • Why so many lenders are adopting Go High Level for automations and follow-up • The growing shift toward debt funds — pros, cons, and real experiences • How lenders are managing rising capital bases and investor relations • Event highlights from our first-ever resort-style mastermind in Atlanta • Insights from a lender who scaled from ~$12M to $40M in a few years • Updates on new mastermind groups, waitlists, and upcoming live events 📌 Want to Join a Live Hard Money Mastermind Event? Learn more or join the waitlist here: HardMoneyMastermind.com Our next event: Charlotte, NC — May 2026 ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

3 Ways To Raise Capital For Hard Money Lenders - #308 Looking to grow your hard money lending business but not sure how to raise private capital the right way? In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down the three proven ways to structure and raise private capital for hard money lending — no matter your experience level. 👉 What You'll Learn: The 3 main structures for raising capital: Co-Lending (Direct Placement), Reg D Funds, and Unsecured Notes The pros and cons of each model for your lending business How to present to and close private investors with a near 100% conversion rate The importance of targeting the right investor personality types Best practices for communication, pitch decks, and follow-up systems How to keep your investors engaged and build long-term relationships 💡 Whether you're just starting out as a private lender or looking to expand your capital base, this episode walks you through the real-world processes used by experienced lenders inside the Hard Money Mastermind community. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

The Lending Industry's #1 Problem - #307 Warren Buffett once said there are three things that can take someone down in business: ladies, liquor, and leverage—but really, just leverage. In this episode of the Private Lenders Podcast, Chris and Jason dive deep into what they call the #1 issue in private lending and real estate finance: over-leverage. From 100% financing and high LTVs to institutional capital flooding the market, this episode breaks down how risky lending practices are hurting both lenders and investors—and what smart operators are doing instead. 💡 You'll Learn: Why over-leverage leads to losses for lenders and borrowers alike How to compete with 100% financing "jokers" while protecting your capital Real-world examples of when leverage destroys deals Smart underwriting practices for private lenders What seasoned investors know about balancing growth and risk Whether you're a private lender, hard money lender, or real estate investor, this conversation will give you practical insights into safer, more sustainable lending. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

How To Close More Deals With These Conversion Techniques - #306 In this episode of The Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down the conversion strategies and sales techniques they're using right now to turn more leads into closed deals. They dive deep into what's actually working in today's market — where investors shop around for multiple lenders and AI automation is everywhere — and explain why the lenders who win are the ones who combine smart systems with authentic human interaction. 💡 You'll learn: Why being responsive and personal beats offering the lowest rates How to build stronger borrower relationships that lead to repeat business Proven follow-up methods that keep you top of mind (beyond email!) When to use automation tools — and when to pick up the phone How Zoom, social media, and call schedulers can boost your deal flow Real-world examples of conversion upgrades at Hard Money Bankers Whether you're a private lender, hard money lender, or real estate investor, these insights will help you stand out, close more loans, and build a loyal borrower base. 👉 Listen in and learn how to combine technology with the human touch to win more deals in 2025 and beyond. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

5 Critical Underwriting Checks Most Private Lenders Overlook - #305 When it comes to private lending, even experienced lenders can miss key underwriting details that make or break a deal. In this episode of the Private Lenders Podcast, Jason from Hard Money Bankers walks through five critical underwriting checks that most private lenders overlook — insights learned from over 4,000 funded loans. Whether you're lending on fix-and-flip, BRRRR, or new construction projects, this episode will help you identify hidden red flags, avoid fraud, and protect your capital. 💡 You'll learn: The most common mistakes in private lending underwriting How to verify purchase contracts and cash-to-close Red flags in wholesaler fees and non-arm's-length transactions How to catch overfunded rehab budgets before it's too late Why verifying funds, seller financing, and title history matters Simple due diligence tips that can save you from bad loans ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind