Hard lender are no longer afraid to lend that is clearly showed itself on http://www.lendinguniverse.com hard money brokers increase their lead purchase with LTV 65% or better. Market prices of homes in Sunnyvale California very much at 6 years low of $678,000. Properties that are $1,220,400 or more are still not stable in some parts of town.Â Â Â
Only few months back hard money investor would not consider anything above 45%-50% loan to Value on SFR or commercial but since no longer afraid and brighter future that stability of prices will pervade in local markets more investors are looking at the equity and security commercial trust deeds provides as solution to edge against inflation. This is only true to business related loans commercial in nature on non owner or owner occupied real estate. Owner occupied properties that are not securing business related loans are not welcomed by hard money investors 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.