2 houses on same tax lot - Florida
50% LTV, loan amount of $311,000. Borrower has 814 FICO score - and people thought hard money was only for BAD credit borrowers...

55 acres with chicken coop - Tennessee
45% LTV, loan amount of $300,000. Buyer/Seller in process of changing the property zoning. Chicken coop to remain on property.

1.4 acre San Diego, CA
Borrower just purchased property 4 weeks ago for all cash $725,000. I make a 50% Loan based on the purchase price paid. I don't care about "seasoning", on a deal like this, I care about "hard equity" - this borrower has some "skin" in the deal.

Car Dealership - Washington
Long term tenant purchasing car lot. 0 down payment (rent credit) by borrower. 50% loan and seller carried 2nd.

10 Acres Houston, Texas
Land deal. 10% Down payment by borrower, seller will hold a 40% 2nd position loan. 12.95% and 5 points.

Mixed use property - Florida
Retail Grocery and warehouse. 610 credit borrower, cash back refi. Due to type of property - every other lender said, "NO." 50% ltv $853,000 loan amount.

40 acres - Georgia
Purchase deal with 10% cash down payment by borrower. $400,000 (50% ltv) loan with the seller carrying a 2nd. 11.5% interest rate with 4 points deducted at closing. No Brainer.

75 acres - West Virginia
Raw land - Cash Back Refinance. Loan Amount = $774,000 14.95%, 9 points, 1 year balloon date. Expensive money, but cheaper than a partner. 530 credit score = probably one of the reasons the bank said "no"

50% completed lake house - New York
lakefront property, owner is a "weekend worker" and has taken 3 years to get 50% completed on this house. Current value = $595,000. 40% loan on this "shell" house. Multiple judgments on borrower.

32 acres raw land - Texas
32 acres future subdivision - Texas. This was a purchase transaction. Purchase price = $700,000 Current “as-is” appraisal = $900,000 $70,000 cash down payment. Seller to carry balance in 2nd position. Purchase Price $700,000 (lower of purchase price and appraisal value) down pmt: $70,000 1st loan $350,000 14.95%, 6 points, with 1 year pre-paid <21,000> 6 points for the loan <52,325> 12 months prepaid holdback seller 2nd $423,325 Seller receives $346,675 at closing (down payment plus proceeds from 1st loan) Buyer gets property with small down payment, and no payments on the first loan. No prepay penalty, but 1st loan has a balloon date in 12 months. Loan