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How to Truly Know the Value of your Collateral - #270

Private Lenders' Podcast

Release Date: 05/13/2025

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How to Truly Know the Value of your Collateral - #270

Knowing the true value of your collateral is one of the most critical parts of being a successful private or hard money lender. In this episode, Jason and Chris break down exactly how they determine property values beyond just appraisals and third-party reports.

🧱 Think of it like a pyramid: at the top are must-do practices like site visits, MLS comps, and getting real feedback from local investors. Below that are the supporting tools—Zillow, appraisals, BPOs, tax records—that can help paint a clearer picture, but should never be relied on alone.

🏡 Whether you’re lending $100K of your own capital or managing investor funds, this episode dives into the due diligence process, borrower analysis, and valuation strategy you need to protect your money and make smart lending decisions.

📍 Plus: Get a preview of our upcoming Mastermind Live Event happening in Maryland, June 4–5. Spots are limited—check out HardMoneyMastermind.com for details.

👉 Topics covered:

  • Why third-party valuations aren't enough

  • The "pyramid" of valuation strategies

  • How to assess a borrower's ability to execute

  • Real-world tips for underwriting properties

  • Why it's okay to lower your LTV when needed

  • Tools we use: MLS, tax records, comps, land records, and more

If you're serious about growing your lending business the right way—this is an episode you can't afford to miss.

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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.

✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com

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