2022 Economic Update

Tom Berry, Co-Founder and CEO of Investor Loan Source, recently shared valuable information at the Wealth Club’s March Meeting. He shared his thoughts on what to expect with the recent changes in our economy and how those changes may affect real estate investors. Click the video below to view the entire presentation.


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.

How to Choose the Right Real Estate Investment Loan

Most successful real estate investors understand that it takes time to achieve a return on their investments. The world of real estate can be filled with many unexpected twists and turns. However, choosing the right real estate investment loan may improve the possibility of great profits. Patience is key when building a lucrative portfolio.  Keep reading to learn how common mistakes can be avoided to achieve long-term success.

Be Sure to Run the Numbers

Before applying for a real estate loan, run the numbers to determine your profit margin. It is important to understand how much is needed to put into the property. For example, the property may stay on the market longer than anticipated. This could lead to a delay in paying off the loan.  Many first-time investors may lose money on their investment because they didn’t prepare ahead of time.  This could be avoided if an investor plans for this type of situation.

Have Enough Cash Reserves

Unforeseen expenses such as unplanned vacancies, make-ready costs, damages and maintenance are just a few of the unexpected costs to consider when investing in real estate.  Ensuring that you have sufficient funds set aside for each property to cover these costs is one factor in being successful.

Research Your Lending Options

Many first-time real estate investors start their search for funding by applying for a loan from their bank or a traditional mortgage company. They may soon discover that the process may not be as easy as anticipated.  Conventional lenders may view investment property real estate transactions as risky and there might be significant requirements in addition to a large down payment.

Private money lenders, like Investor Loan Source, understand real estate investing. Therefore, the funding may be quicker, and the rate of approval may be higher.  

Closing Thoughts

Real estate investing offers the opportunity for sustainable growth and financial freedom.  Starting small and starting with the right information could set you up for long-term success.  A little research and planning can go a long way when working to achieve your real estate investment goals.

The information provided is not investment, tax, financial or legal advice. Consult with a licensed professional. 


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.

How to Flip a House

House flipping sounds like an easy and straightforward concept. But there is much more to finding a cheap house, purchasing it, and selling it for a profit. If it were that easy, the market would be over-saturated with house flipping real estate investors. A great deal of work goes into successfully flipping houses. Here are a few tips to consider before getting started.

Research Your Local Real Estate Market

Before purchasing a property to flip, it is important to know if your property is in an area where people want to live. Is it in an up-and-coming neighborhood? Is it in an area where people want to live? Thinking about these factors could determine your success or failure. No fix and flip investor wants the burden of a property that doesn’t sell. The objective is to flip quickly and understanding the market is an important factor in making sure that happens.

Examine Your Options for Financing

After researching the market and finding a property, now it is time to finance the deal. There are many ways to finance a real estate project. If an investor has enough cash on hand, they may fund the deal themselves. Leveraging may be an option for an investor that has equity in a property that they already own.  Additionally, a hard money loan can be a great option for someone who wishes to fix and flip a property.

Know the Cost

Depending on the property, the cost to repair a home for reselling can rise very quickly. One key factor to success can be knowing what repairs and improvements will add value to the property. Landscaping, upgrading appliances, and painting the exterior are just a few things to consider when preparing a fix and flip for reselling. Many real estate investors save money by making small repairs themselves while others prefer to hire contractors to do the work. Regardless of how the improvements are made, it is imperative that the work adds value.

Final Thoughts

Flipping houses does not come without risks. However, when informed decisions are made, the return on investment can be rewarding. Always perform due diligence and consult financial and legal professionals for sound advice.

The information provided is not investment, tax, financial or legal advice. Consult with a licensed professional. 


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

3 Tips for Real Estate Investors

Real estate investing is an exciting industry that could yield high returns for the savvy entrepreneur. While investing in real estate can be profitable, it is not for everyone. Real estate investing does come with some risks, and it takes a great deal of planning and research to be successful. If you are interested in venturing into the world of RE investing, we have three tips that may help you on your path to success.

1.Understand the Cost of Acquiring and Maintaining Property

Real estate investing can be costly. For example, a fix and flip property may require a loan for repairs and renovations. When investing in rental property it is important to consider additional costs like utilities, maintenance, and taxes

2.Examine the Location

The most important factor in the value of a property is its location. When deciding to purchase a property, consider the neighborhood and its proximity to attractions and amenities. Just because the price of a property is appealing does not mean it is a good purchase. Consider the long-term cost. Conduct research and ensure that your property is in a prime spot to increase the return on your investment. 

3.Build your Network

To be successful in the world of real estate investing, you must build solid relationships. It can be overwhelming to start in real estate investing. Having great connections can make your journey much smoother. Building solid relationships in the world of real estate investing is a key component of being successful. Additionally, attorneys, CPAs, lenders, inspectors, and contractors are people that will help grow a business. 

Closing Thoughts

Real estate investment can be an adventure. Be prepared for the ups and downs. When done properly, the smart investor can create great success. Surround yourself with insightful professionals that can take a real estate investor’s journey to the next level. 

The information provided is not investment, tax, financial or legal advice. Consult with a licensed professional. 


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.

Do you know the difference between a BPO, Appraisal, and Assessed Value?

Money and Home on Scale

Estimating the value of a property is an essential part of real estate investing. Depending on who you ask, why you ask, and for what purpose, you may get different answers. Whether your next purchase is for a fix-n-flip or a rental property, arm yourself with knowledge so you can be prepared to provide the valuation needed for your next deal!

Brokers Price Opinion (BPO) – Less expensive and comprehensive than an appraisal, and based primarily on predictive data. The BPO is a real estate broker or sale agent’s opinion of a property’s value and is often used to set the sale price of a property. It is rarely allowed as a substitute for an actual appraisal and can be thought of as more of a starting point.

Appraisals – An unbiased opinion of value given by a licensed or certified appraiser, and based on historical data. Mostly used to determine market value by verifying that an appropriate price is set given the condition, location, and features of a property. This is often required by the lender when a mortgage is involved to buy, sell, or refinance a property.

There are three basic approaches used in appraisals to determine a property’s value:

  1. Sales Comparison Approach: an estimate derived from similar properties, known as comparables or comps, that have been sold within the last year under typical market conditions and within a certain distance from the subject property. Typically, at least three or four examples must be used to give a good valuation.
  • Cost Approach: Based on an assumption that buyers will not pay more for a property than it will cost them to build a similar property from scratch. The property value is determined by:

Cost of Land + Cost of Construction – Depreciation

This is the most common valuation to determine the price for unique buildings such as churches and schools, and residential properties that do not generate income.

  • Income Capital Approach: Assigns a value based on the estimated returns of a property using the formula:

Market Value = Net Operating Income / Capitalization Rate

Assessed Value – The dollar value of a property, assigned by a municipal property assessor to determine property taxes.  Comparable home sales, location, square footage, quality, and market conditions, among many other factors, can heavily influence this determination. This assessment is usually calculated at a percentage of the Fair Market Value (FMV) which is updated periodically and may be disputed by the owner.

As you can see each valuation has its time and place. While the Brokers’ Price Opinion can be used to set the sale price on your home it should not be relied upon as a buyer of investment properties. Most lenders will require an appraisal to be done which is a much more in-depth estimate of value, while the assessed value should be considered when factoring your property taxes into the DSCR and cost analysis.

Finding a team of real estate professionals that you can lean on for guidance is essential to success starting with a lender you can trust. Discover the Investor Loan Source difference today!


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.

Mortgage vs. Deed of Trust: What is the Difference?

Why does it Matter?

*We do not offer legal advice, please consult a professional

When a borrower receives a loan to buy real estate, he/she agrees to pay the lender a certain amount of money according to the terms of the promissory note. To secure this debt the lender will require either a Mortgage or Deed of Trust instrument. This is primarily determined by the state you live in and will heavily influence the foreclosure process. It is extremely important for every real estate investor to understand the rules and instruments their state uses.

The main difference between a Mortgage and a Deed of Trust is that the Mortgage document lists only the borrower and the lender as interested parties, while the Deed of Trust instrument adds a third person titled as the Trustee.

Mortgage

When a Mortgage is used to secure real estate, the loan must be completely repaid before it can be sold. The lender will hold the lien for the property until the borrower has satisfied the loan agreement.  In Mortgage States (aka Lien Theory States), the lender can begin foreclosure when the borrower defaults on his/her loan. However, the lender will need to file a lawsuit to begin the foreclosure proceedings and the entire process must go through the courts, beginning with the filing of Lis Pendens. This is known as a Judicial Foreclosure and can prove to be quite costly and time-consuming (often six months or more!).

Deed of Trust

When a Deed of Trust is used, the courts can be bypassed. Instead, a Trustee will be appointed within the document at closing. The borrower transfers title to the Trustee for the benefit of the lender and remains in trust until the note is paid off. In the case of default, the Trustee is responsible for starting the foreclosure process.  Often, the first step of this process is the filing of an Appointment of Substitute Trustee because the original named trustee is not local to the property.  This is known as a Non-Judicial Foreclosure and generally requires less time to complete (sometimes as little as two months).

Real estate can be a lucrative investment, but it is imperative that you, as an investor, know the laws of your land. Understanding the documents and legal procedures used in real estate transactions for your state can help better prepare you for any situation that may arise. Finding a lender you can trust and building a knowledgeable team will prove its worth time and time again.


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedIn, Facebook, and Twitter. To apply for a loan, click HERE.

Questions Every Real Estate Investor Must Ask Themselves!

When Socrates said, “Know thyself,” it is unlikely he was talking about real estate investing, but it is still good advice.   Before considering any major investment, you need to make sure you know what you can or can’t do, what your goals are, and what you are comfortable with.  Here are some questions to ask yourself, so you are prepared to seize a good investment opportunity when it presents itself.

Am I an Accredited Investor? Knowing your status is non-negotiable. Some investments are only available to accredited investors and knowing your status will help you to narrow your focus. An Accredited Investor is generally someone who has 1MM in net worth, not counting the value of their primary home.

Am I a conservative or aggressive investor? Do you like to play it safe with a lower steady fixed rate of return or are you someone who likes high risk, high reward situations? Risk tolerance, considering where you are in life, knowledge of the industry and the market cycle, should all play a part in this decision.

What type of investor am I, Passive or Active? Are you a hands-on type of investor who wants to be uber involved in your investments? If so, you may want to consider more active investments such as fix and flips, rentals, note buying, etc. Just remember that these types of investments take a lot of time and involvement.

If you are working full time or just starting out, something passive may be your best bet! Consider real estate investment funds and other low involvement opportunities.

What is my level of knowledge when it comes to RE investing?

Are you just starting out? Then you probably shouldn’t take on a 100K intensive rehab project for your first flip. No matter your investment decision, take time to learn and fully understand what you are doing.

Who is in my network that I can leverage for their talents/expertise?

We have all heard the quote “Your network is your net worth.” — Porter Gale. This is especially true in the real estate world. This industry is constantly evolving and having a strong network is a must. Every RE investor should have a good agent, lender, attorney, CPA, and contractor on their side with whom they can ask questions and brainstorm. Go to real estate club meetings, mixers, and conferences. Get to know people and surround yourself with like-minded individuals. Lean on the strength of others to compensate for your areas of weakness (we all have them) and you, too, can contribute your strengths to help others.

What type of funds am I using to fuel this investment? Analyze the effects of that choice.

There are many ways to fund your investments but sometimes that can come with certain restrictions, tax liabilities, etc. For instance, if you lend money on a fix and flip out of your IRA (structured funds) and the borrower defaults forcing you to foreclose, you need to be sure that you understand the foreclosure laws within an IRA as this would be handled differently than if you had lent the money with cash.

If you choose to invest as an individual, do you know how this investment might affect your taxes? Everyone’s situation is different, but these are the questions you want to know the answers to BEFORE you jump in.


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedIn, Facebook, and Twitter. To apply for a loan, click HERE.

The In’s and Out’s of Due Diligence

The Importance of Due Diligence

When investing in real estate proper due diligence is one of the most important keys to success. There are many issues that can arrive after closing that could have been prevented with a little homework. Thankfully, many professional underwriters and lending companies will aide in this endeavor once a contract has been accepted.

The due diligence period generally refers to a set amount of time one has to investigate the aspects of the property after a contract is accepted and before closing. During this time the buyer may back out of the contract for any reason without repercussions. Generally, the length of time is pre-determined by either the state (usually 10-15+ days) or agreed upon in the contract and begins when escrow is opened.

Every lender and title company will have a set list of what they require to complete what they believe is proper due diligence on an investment. This not only protects them but you as the buyer. However, not everyone’s requirements and parameters are the same. A private individual lender may require very little due diligence to be done while the bank will have you jumping through hoops. Knowing what to look for and expect is crucial in this business regardless of if you are doing it all yourself or leveraging your team.

Buyer’s Due Diligence

  • Physical Inspection – plumbing, structural, roof, HVAC, pests, septic, well, etc.
  • Crime (including sex offender) statistics
  • Upcoming building plans in the neighboring area / Zoning
  • Talk with neighbors to get the inside scoop on the area
  • Median Household Income
  • Surrounding Rental Rates
  • School Rankings
  • Repair Quotes (if applicable)
  • Estimate your Debt to Service Coverage Ratio – DSCR (if applicable)
  • Review of Seller’s Disclosures
  • Property Rights
  • Submit all requested documents to lender
  • Review all legal documents for accuracy and understanding

Lender’s Due Diligence

  • Review of all documents for accuracy and suitability
  • Contract / Assignment – review terms and make sure the seller has the right to sell property etc.
  • Deed or Proof of Ownership – review chain of custody
  • Interior and Exterior Photos
  • Scope of Work / Lease Agreements
  • Bank Statements
  • Background Checks – this can include criminal, credit, tax liens, death index, bankruptcy, lawsuit history, etc.
  • Insurance Quotes – verify amount, terms, address, type (hazard, flood, windstorm, vacant, occupied, builder’s risk, commercial etc), and insured names
  • Flood Determination – what flood zone does the property lie in
  • Corporate Docs (if applicable)
    • Certificate of Formation
    • Certificate of Filing
    • Operating Agreements
    • Amendments
    • Resolutions
    • FEIN or W-9
  • Entity Search – verify the entity is active and managing members
  • Driver’s License (state ID’s) – citizenship
  • Social Security or W-9
  • Contact Information from borrower
  • Appraisal / Survey – Value of property and boundary lines
  • Permits
  • Homeowners Association (HOA) – restrictions and verify dues are up to date
  • Verify Taxes are Current and that there are no liens
  • Review of Title Commitment
    • Legal Descriptions
    • Policy Amount
    • Encroachments / Easements
    • Liens – Verify Clear Title / Judgements
  • Review of Loan Package and Closing Disclosure

Commercial

  • Phase 1 Environmental (if applicable) and Phase 2 if needed
  • Proposed Plat Changes
  • Drawings / Spec’s
  • Executive Summary
  • Rent Roll
  • Feasibility Study
  • Pro-Forma P&L

Ready to Invest?

This list is in no way meant to be used as a complete guide to due diligence, but it aims to serve as a starting point. There are many things to consider when investing in real estate and are often driven by one’s school of thought. Asset based lenders vs. credit-based lenders will have varying requirements, as well those investors who invest in fix-n-flip, rental, and commercial loans. The bottom line here is to do your homework throughout the entire process. Make sure you ask lots of questions and that you understand the legal documentation you are signing. Consult with your lawyer or financial advisor if you have questions or are still unsure. Don’t be afraid to walk away from a deal if you find an issue during the due diligence period that the seller refuses to fix or can’t. Better to lose a small sum of cash than to get in over your head. Be sure to partner up with a lender that you can trust. Now that you are armed with this knowledge, get out there and find some deals!


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.

Calculating DSCR

If you are a part of the real estate investing world, then you probably have heard that properly calculating a property’s debt to service coverage ratio (DSCR) is crucial. If you are newer to investing, you may wonder why it is so important. Lenders use this equation to determine if a rental investment property’s cash flow is enough to cover their borrower’s loan payment in addition to all re-occurring expenses. As a borrower, the DSCR can help you gauge the profitability of your project saving you time and money.

The formula is quite simple, but first you must learn another acronym, PITIA. PITIA stands for property, interest, taxes, insurance, and association (HOA). These are the most common re-occurring expenses taken into consideration by a lender.

To calculate the DSCR take your annual rental income (numerator) and divide it by the property’s annual PITIA (denominator). The result is your DSCR. Anything below a 1 means you have negative cash flow and would be an unlikely candidate for approval.

Be sure to check with your lender regarding their DSCR requirements. As a rule of thumb, shoot for a DSCR above a 1.25. Remember, the higher the number the better chance for profitability. You can also find a DSCR calculator online at https://ils.cash/resources/.


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.

How To Start Investing in Real Estate

Thinking of investing in real estate, but not sure how to begin? First and foremost, know that you are not alone. Real estate investing is a great way to build your wealth, but when you have little to no experience it can seem a bit overwhelming.

Do Your Research.

We have all heard the old adage that knowledge is power, and it still holds true today. One of the best pieces of advice one can be given is to do their research. In this day and age, there is no excuse not to. So much information is available to us instantaneously. Begin by learning popular real estate terms. So often I get asked the definition for “ARV” and “deed of trust”. Arming yourself with the basic understanding of the lingo is imperative.

Time is of the essence, and most people feel they do not have enough of it. However, if you are serious about real estate investing you will find time. Listen to a podcast, eBook, or real estate talk radio while you are driving in the car, working out, or as you drift off to sleep. This is a great way to get your head in the game and learn while doing it.

Grow Your Network.

Your network equals your net worth! Surround yourself with like-minded people. There are so many avenues one can pursue with real estate investing, but one thing is certain, you will need trustworthy, competent people at your side. Do your research and build your network. Most large cities have Real Estate Investment Association groups (REIA’s) which are great places to learn the industry while making contacts. Many teach classes on real estate investing, tell both success and horror stories, and introduce you to reputable industry professionals and investments. Lenders, title companies, contractors, CPA’s, real estate attorneys and real estate agents are all worth getting to know. Leverage the experience and the field of expertise of those around you.  These people will help you grow your business/investments setting you up for success.

Find a Mentor.

An ideal mentor is an experience investor with time and knowledge to share. They can help you stay on track, keep focused, and guide you in the right direction. Be sure to ask lots of questions. Find out what your mentor did to become successful and mimic it.

Assess Yourself.

Next, you will need to do an honest assessment of yourself and your situation. You do not always need a lot of cash on hand or a perfect credit score to take advantage real estate investments. However, knowing your limitations will help set you up for success. 

Other questions you will need to ask yourself is how much time you have to dedicate to your real estate investments. If you have a full-time job, volunteer three times a week, and must keep your schedule as well as your kids, you might be better suited for a passive investment. One that does not take a lot of your time. Therefore, a fix and flip project may not be best suited to your situation. Semi-passive to passive options like real estate notes might work best for you.

Decide on the amount of risk you are willing to take. Do you have extensive knowledge in the industry and a pool of cash for investments that would allow you to go after those high-risk high-reward opportunities? If so, commercial deals might be your niche. Are you close to retirement and principal preservation is imperative, consider funds or REIT’s? Do you need passive monthly income? Consider a rental property. There are both aggressive and conservative options out there and knowing which category you are comfortable in will help guide you to the right investment.

Additional items to consider are the type of funds you are looking to invest; cash or structured funds (IRA’s, 401K, etc). If you, will you be investing as an entity or as an individual and what the taxing consequences might be in direct correlation to your situation (seek the advice of a CPA). Look at state laws and how they might affect your investment. These questions can be deciding factors.

Find a Trustworthy Lender.

Most new investors have limited cash resources. If that is your situation, consider finding a lender who can help you. There are private lenders, banks, hard money lenders and others out there who can help you get started. Even seasoned investors often use outside financial resources to help them grow their investment portfolio. Be sure to do your research and ensure your lender is trustworthy and deserves your business. Ask for referrals or ask your real estate networking group if you are having trouble finding good lenders.

Make Your Dream a Reality.

Once you have done these things go out and find your investment, do the leg work, and make your dream a reality. Remember to be realistic in your expectations and set goals. Do not overextend yourself either mentally or financially. Keep your mentor close, leverage the experience of industry professionals and never forget that your knowledge and network are the two most important things in your arsenal. This is how you will set yourself up for success.


Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at the lowest costs possible. Our process for providing real estate investors with private lending is unique. We place emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money lending to more investors than is available from standard bank loan models. At Investor Loan Source, providing real estate investors hard money loans is our business; it’s all we do. We offer several business real estate loans products designed to serve a variety of investors and property profiles, including hard money lending for properties to sell on owner finance. 

To learn more about Investor Loan Source, visit our website or follow us on LinkedInFacebook, and Twitter. To apply for a loan, click HERE.