What exactly is "hard money"? It's a real estate loan you get from a non-traditional lender, secured by the property and not by you. Hard money interest rates range from 14% to 20%.

The lender also charges "points" (one point is one percent of the loan amount, usually financed into the deal), which can range from 1 to 5.

Why would someone use hard money? Because these lenders are concerned about the property you're buying, and not about you as a person. Typically, hard money lenders will loan you up to 65% of the after-repaired value of the property.

The benefit of using hard money instead of bank financing is if you buy a deal that is worth 65% or less of the after-repaired value of the property, you can get into the deal for no money down. Hard money lenders are not concerned about your credit rating! They are much easier to work with than banks.

My name is David Lindahl. When I first started investing, I began buying multi-family properties to flip for quick chunks of cash, and to hold for passive income. I had no money when I started. I owned a landscape company that wasn't doing too well, and I wanted a better life.

I found deals that I could buy for 60-65% of their after-repaired value. I was able to go to hard money lenders, and get a loan for 100% of the purchase price and 100% of the rehab cost!

Recent Press

Click to enlarge

Click to enlarge

Click to enlarge

Click to enlarge

I repaired the properties and flipped a couple to get some money coming in. I then started keeping the ones with great cash flow.

Money began to build up from the monthly cash flow (it builds up quickly!). I was then able to use it as income to qualify for bank loans, to refinance my properties out from the hard money lenders. Because the bank loan had a much lower interest rate, I now created even more cash flow!

This is how I went from living in a one-bedroom apartment to owning over 800 units in a very short period of time. My monthly cash flow now is more than most people make in a year. What's the best part? I don't deal with a single tenant! And my methods allow my students to do the same thing, even if they are just starting out. Students like Sandra Nesbit of Hartford, Connecticut, who took over a three-family property with no money down. It has over $147,000 worth of equity and positive monthly spendable cash flow!

Most people that want to start in real estate have little or no money. That's why it is so important to learn all the techniques that experienced investors have to buy with no money down. I have 27 of 'em!
If you would like my Free Report, "The 27 Ways To Buy Multi-Family Properties With No Money Down", just fill out the information below.

I'll be happy to put you on my PRIVATE, confidential, no-spam insider's list for receiving more information on apartment investing.

Just tell me below where I can send you this free information. You can decide for yourself whether I'm talking about the Real Deal on how to make loads of money. This report will change your life.

For Your Free Special Report About Hard Money and Other "No Money Down" Techniques, Please Complete This Form. (* = Required):
First Name *
Last Name *
Email *
Phone (Optional)
(Remember, I Will Guard Your Private Information!)
About Your Privacy: I Hate Spammers As Much As You Do! I will never violate your trust by giving or selling your contact information to anyone. That's how I expect to be treated by others, and that's my promise to you.