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How Private Lenders Can Get A+ Opportunities - #325

In this episode of the Private Lenders Podcast, Jason and Chris break down how private and hard money lenders can consistently create A+ lending opportunities—even when working with borrowers who don't fit the traditional "A borrower" profile.

Rather than chasing high-volume institutional borrowers, this conversation focuses on how private lenders can structure safer, more profitable deals by properly underwriting collateral, character, capacity, and credit. Learn how experienced lenders turn so-called "B borrowers" into strong, low-risk opportunities through smart leverage, cash requirements, and deal structuring.

This episode also dives into why marketing equals portfolio quality, how playing the numbers game leads to better loans, and why private lenders shouldn't try to compete with institutional capital—but instead position themselves as the ideal Plan B lender.

Topics covered include:

• What truly defines an A+ lending opportunity

• A borrowers vs. B borrowers (and why labels can be misleading)

• Structuring low-LTV deals for maximum downside protection

• The 4 C's of underwriting: collateral, character, capacity, and credit

• Why leverage—not borrower quality—is often the biggest risk

• How marketing drives deal flow and portfolio strength

• When and why private lenders should pass on deals

• Real-world examples of turning imperfect borrowers into great loans

If you're a private lender, hard money lender, or real estate investor looking to deploy capital more safely while improving returns, this episode offers practical insights you can apply immediately.

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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.

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