Libsyn Directory

Risks of lending on tenant occupied properties - #300

Release Date: 09/26/2025

We Didn’t Plan to Share These… 3 Stories From 2025 - #316

Private Lenders' Podcast

We Didn’t Plan to Share These… 3 Stories From 2025 - #316 Wrapping up 2025, hosts Jason and Chris of Hard Money Bankers share three real, unfiltered stories from the trenches of private and hard money lending—the kind of situations every lender eventually faces, but few talk about openly. From a multi-lender fraud and title insurance claim that took 18 months to resolve, to managing long-term commercial borrowers with trapped equity, to structuring creative low-LTV loans for high-net-worth investors, this episode highlights the unpredictable realities of private lending and why slow,...

5 Things To Focus On In 2026 For Private Lenders - #315

Private Lenders' Podcast

5 Things To Focus On In 2026 For Private Lenders - #315 In today’s competitive and uncertain lending environment, private and hard money lenders need to be more strategic than ever. In this episode of the Private Lenders Podcast, hosts Jason and Chris break down the five most important things private lenders should focus on in 2026 to stay profitable, reduce risk, and continue growing their loan portfolios. With increased competition from institutional lenders, shifting real estate markets, and changing investor expectations, this episode covers practical strategies lenders can apply...

This is Why We Can't Use Appraisals - #314

Private Lenders' Podcast

This is Why We Can't Use Appraisals - #314 Why can’t private and hard money lenders rely on appraisals? In this episode of the Private Lenders Podcast, hosts Jason and Chris of Hard Money Bankers break down the real problem behind appraisals—and why valuation, not appraisers, is putting lenders at risk. With recent DSCR loan fraud cases in markets like Baltimore and Philadelphia making headlines, the industry has been quick to blame appraisals. But the truth is deeper than that. This episode explains why appraisals alone fail for DSCR loans, fix-and-flip loans, bridge loans, and other...

The 3 Biggest Mistakes Hard Money Lenders Keep Making (And Don’t Realize!) - #313

Private Lenders' Podcast

The 3 Biggest Mistakes Hard Money Lenders Keep Making (And Don’t Realize!) - #313 In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down the three most common (and costly) mistakes they see private and hard money lenders make—mistakes that can put your capital, deals, and entire lending business at risk. Drawing from years of experience and real-world insights from running a nationwide private lenders mastermind, Jason and Chris explain how you can shortcut years of trial and error by avoiding these critical pitfalls. In this episode,...

The Most Overlooked Underwriting Step in Hard Money Lending: Exit Strategy - #312

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...

The Script Real Hard Money Lenders Use to Close More Deals FAST - #311

Private Lenders' Podcast

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 Loan Servicing Software That Hard Money Lenders Won’t Stop Talking About (Including Hard Money Mastermind Members)

Private Lenders' Podcast

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...

Should You Sell Your Defaulted Notes? Process, Pricing & Insights - #310

Private Lenders' Podcast

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...

Building A $10 Million Hard Money Loan Portfolio

Private Lenders' Podcast

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...

Biggest Takeaways From Our Live Hard Money Mastermind Event in Atlanta GA - #309

Private Lenders' Podcast

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...

More Episodes

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.

👉 Subscribe for more insights on private lending, hard money loans, underwriting, deal structuring, and risk management.

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

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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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