For the real estate investor in search of an entry point into their next venture, the alternative money lender or private lender is an essential resource. It is often quicker and easier to use a private lender than the equivalent traditional bank lending options.

In private money deals, there are three principals to the requisite transactions – three principals who all participate with total transparency: the private lender, the real-estate-investing borrower, and the source of those funds, the private investor. It is requisite for a successful transaction that all three not only achieve their desired return on investment but enter into the transaction with confidence (trust) that they will do so.


ReProp, as the private moneylender, has adjusted its loan preferences toward single family residential construction, based on the statistics for today’s markets. The hesitancy of banks and the Federal Reserve Board to lower rates has filtered through all the real estate market and its lenders – including private moneylenders like ReProp.

Single-family residential construction has become a favored sector of the real estate investment market currently, due to its lesser risk. For real estate investors, the cautious approach of ReProp has garnered a 99.0% performing loan record. For real estate borrowers, they can rest assured that they are getting the best deal possible, considering their unique & urgent circumstances. As they say at ReProp, “be the bank.” ReProp is not a bank, but they are the bank. In any loan transaction, the bank gets paid first. So, if ReProp is the lender, borrowers know their payments will not be subsumed somewhere else, and investors can rest assured their return will be delivered – at somewhere around the current average of 8% (Sept 2023).
Unlike lending for an owner-occupied property, commercial real estate loans, construction loans, and purchased mortgage notes comprise 100% financially motivated participants. For the owner-occupied property, there are a variety of governmental or quasi-governmental lending programs.
For those, the borrower is marginally, minimally concerned with a return on investment – their return on investment being a comfortable long-term place of residence. If appreciation accelerates their equity acquisition, it is merely an auxiliary perquisite of their purchase (contingent on their often subsidized loan).

In the case of commercial loans, especially those from private moneylenders and hard moneylenders, the borrower is as interested in return on investment as the lender and the real estate investors who provide the requisite hard money. As the entity that brings all parties together in a transaction that provides mutual financial satisfaction, the private moneylender (ReProp) chooses investors and borrowers with minimal risk. However, their desired objectives may or may not align with standard bank guidelines.

The current market inclines ReProp to favor loan requests for single-family residential properties -whether for construction, refinancing, or resale. Although, that is not to say that they do not still welcome loan applications for the sundry other commercial real estate loans. They have funded these loan types for over the past 36 years.
Retail properties, professional office properties, even light industrial properties are potential collateral investments that can be brought to ReProp as loan proposals/applications. Whether the money borrowed is going toward construction of a new property – commercial or multi-unit residential – or refinancing to capitalize the maintenance of that facility, ReProp is a trusted private lender. We have a proven track record at guaranteeing a viable opportunity for borrowers and an equally reliable return, according to terms, for our investors.
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