There is no better time to start lending hard money than when the real estate is at the bottom that is clearly showed itself on http://www.lendinguniverse.com hard money brokers increase their lead purchase below 60% LTV. Market prices of homes in Fresno County California very much at 6 years low of $185,000. Homes ranging $333,000 and better show no sign of stabilization yet.Â Â Â
In January no one would go over 50%-55% Loan -to- Value on any real estate but with the renewed optimism of stability in prices more investors are looking at the equity and security inherited provided as the best solution to edge against inflation. This is true mostly to business related loans commercial in nature. Owner occupied properties that are not securing business related loans are not welcomed by private hard lenders because of new consumer lending regulations that make it extremely hard to lend by exposing the investors to legal challenge by the borrower in the future.