Here's EXACTLY How To Talk To Hard Money Lenders for House Flipping Deals (FREE SCRIPT)!
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📈 DOWNLOAD THE FREE HARD MONEY LENDER SCRIPT TO LEARN EXACTLY WHAT TO SAY TO FUND YOUR FIX & FLIP: ➡️
In this video, Ryan Zomorodi, Co-Founder of RealEstateSkills.com, walks you through the exact hard money lender script you can use to confidently speak with lenders, ask the right questions, and position yourself like a serious real estate investor.
Whether you’re brand new to real estate investing or already working on fix and flip deals, knowing how to communicate with lenders can directly impact your terms, your speed, and your profitability.
You’ll also learn how to open the conversation the right way, how to build credibility even if you’re newer to investing, and how to end the call professionally so you can build a real lending relationship for future acquisitions.
Inside this video, you’ll learn: - How to start a conversation with a hard money lender - What to say if you’re a beginner real estate investor - The difference between a direct lender and a broker - How to ask about ARV, as-is value, LTV, and LTC - What fees to watch for in a hard money loan - How rehab draws and funding timelines work - How to compare lenders the smart way - What red flags to avoid before signing a loan - How to get clarity on terms, speed, and qualifications - How to build long-term relationships with lending partners
TIMESTAMPS: 0:00 - Introduction: How To Talk To Hard Money Lenders 1:20 - What Questions To Ask Hard Money Lenders 2:15 - How To Open The Conversation With A New Hard Money Lender 3:42 - Asking If They Are A Direct Lender Or Broker 5:30 - Asking Whether They Lend on ARV or As-Is Value 7:30 - Understanding LTV and LTC Before Comparing Lenders 10:40 - How To Present Your Experience and Credibility 13:00 - Rates, Points, Origination Fees, and Total Hard Money Loan Cost 17:28 - Rehab Funds: Interest Charges, Draw Process, and Reimbursement Timing 20:13 - How Fast Can They Close? (Why Speed Matters) 21:04 - Loan terms, Extensions, Recourse, Guarantees, and Borrower Qualifications 25:03 - Red Flags to Watch for and A Smart Bonus Question to Ask 26:29 - How To End The Call Professionally With Hard Money Lenders 27:24 - Final mindset: evaluate lenders as partners and position yourself well
What Is A Hard Money Lender? Hard money lenders are private individuals or financial institutions that provide short-term real estate loans that are collateralized by real property, which is considered a "hard" asset. These lenders work with clients such as house flippers, private investors, and developers who work in both commercial real estate and residential properties.
What Are The Benefits Of Hard Money Lenders? When buying a home to serve as your primary residence, you have a specific list of needs to fill. However, when you’re buying property to rehab and sell within a few months, there is a different list of obligations. Hard money lenders can often meet those needs with the following benefits: - Quick qualification - Understanding of the local real estate market - A thorough analysis of details - Clear terms on loans - Minimal underwriting process - Ability to move as fast as the investor
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