In the world of real estate investing, access to capital is everything. For companies like Property Fling—San Diego-based and focused on revitalizing homes with community-first values—funding is the fuel that powers each successful flip, rental project, or acquisition. But while traditional banks often move slow and shy away from unconventional opportunities, private money lenders and hard money lenders are stepping in with speed, flexibility, and an eye for returns.
If you’re considering where to allocate capital, lending to a real estate investment company like Property Fling might be the strategic move you’re looking for. This article outlines the key benefits for lenders, what makes this relationship work, and what you should know before engaging—while remaining compliant with SEC guidelines.
What Is Private and Hard Money Lending?
Before we dive in, let’s clarify the difference:
- Private money lending typically refers to individuals using their own capital to fund real estate deals—often friends, family, or professional acquaintances.
- Hard money lending is more formalized, often structured through companies or funds, and backed by a short-term, asset-based loan model.
Both are crucial to real estate investors looking for faster access to funds than traditional lenders provide. And both can be rewarding for lenders seeking fixed returns backed by real property.
Why Lend to a Company Like Property Fling?
At Property Fling, we don’t just flip houses—we strategically acquire, improve, and reposition homes in high-demand areas like San Diego. Our business model is designed to serve the community and create value through every project. Here’s why lenders find working with firms like ours appealing:
1. Secured by Real Estate
The underlying asset secures most private and hard money loans—a tangible piece of real estate. That means your capital is collateralized. In the event of default (rare in properly structured deals), the lender may have recourse to the property itself. This asset-backed model makes it an attractive alternative to unsecured investments.
2. Attractive Returns
Depending on the deal structure and term, lenders often see higher interest rates than they might in traditional investment vehicles. While rates can vary, it’s not uncommon for private lenders to earn 8–12% annually on their capital through properly structured and secured short-term loans.
3. Short-Term Commitments
Real estate flips or bridge loans are typically short-term, often ranging from 6 to 18 months. This gives lenders the ability to recycle capital faster and remain more liquid than with long-term investment products.
4. Transparency and Local Focus
At Property Fling, we prioritize transparency. We provide detailed scopes of work, comps, exit strategies, and updates throughout the life of a project. Because we’re local to San Diego, our lenders can easily see our work and even walk our projects in person. That kind of access isn’t always available when lending to out-of-state operators or investment funds.
What Makes a Good Lending Relationship?
Private lending works best when both parties communicate clearly and align on expectations. At Property Fling, we look for lenders who:
- Understand the risk-reward profile of real estate investing
- Are comfortable reviewing project summaries, comps, and rehab plans
- Want a hands-off experience, but still appreciate regular updates
- Value working with a trustworthy, experienced, and community-minded company
For every deal, we present a complete overview of the property, anticipated renovation timeline, projected ARV (After Repair Value), and exit strategy—whether that’s a flip or a long-term rental refinance.
Disclosures & Compliance
We take compliance seriously.
This blog post is for informational purposes only. Property Fling is not offering securities or soliciting investments through this article. Any future lending or investment opportunities would be discussed privately and structured with full transparency and due diligence.
All lending relationships are negotiated individually and documented through written agreements. We encourage prospective lenders to seek independent legal and financial counsel before entering into any lending arrangement.
Final Thoughts
Private and hard money lending can offer a rewarding way to diversify your investment strategy. When you work with a real estate company like Property Fling, you’re not just investing in a single property—you’re backing a mission. One that’s rooted in revitalizing homes, improving neighborhoods, and creating value for everyone involved.
Whether you’re an experienced lender or exploring alternative income opportunities, partnering with a seasoned, ethical operator can lead to strong returns with a clear understanding of risk. If you’re curious about how lenders and companies like ours work together, we’re always happy to share more about our process and upcoming projects.
