Private investors have renewed  confidence in lending short terms at hard money  rates therefore on http://www.lendinguniverse.com hard lenders are once again buying  leads with 60% LTV. Real estate homes and commercial properties in Palm Beach County Florida finally appears to reach near bottom of $238,000 Real estate maiden  prices  ranging $428,400 and more are selling at more discounts in part of city.

Early on this year investors stayed below 50%-52%  LTV on SFR or commercial but with the fear subsided and being more optimistic of better market ahead. Consumer loans secured by the principal own dwelling are being considered with reservation by private hard lenders because of new consumer protection laws which make it extremely hard to lend by exposing the investors to legal challenge regardless of their equity position.