If you are a lender, why do you need to borrow money? Do you want to borrow at 4% and lend at 8%? That’s a nice spread if you underwrite the hard loans properly
I used to borrow at 4 percent and loan out at 18…Risky that bit me in the ass…fun while it lasted…Still loaning on first trust deeds at 8%…They banks have made opportunities for hard money…still risky though…I prefer leveraged development deals where you can make 25-50% passive income or of course lose it it all, depending on leverage