{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Infinite Banking Daily","title":"Episode 259: Structuring Private Loans Safely","html":"","width":"100%","height":180,"duration":200,"description":"Discover how to structure private loans safely—the difference between great returns and total loss is upfront structure, not interest rate—covering the five non-negotiables: sixty-five percent maximum loan-to-value ratio with thirty-five percent equity cushion, first lien position ahead of all other debt, personal guarantee for recourse beyond property, clear exit strategy for repayment, and professional documentation with attorney promissory note deed of trust title insurance appraisal. Safe private lending is boring: conservative ratios first lien positions proper documentation, but boring protects principal and protected principal compounds forever.\nWhat You'll Learn:\nInterest Rate vs Structure Focus – Most people focus on twelve percent interest rate, sounds great until borrower defaults and you realize no collateral no recourse no exit strategy, safe private lending isn't about rate it's about structure\nLoan-to-Value Ratio Non-Negotiable – Never lend more than sixty-five percent of asset's current market value, property worth one million maximum loan six hundred fifty thousand, gives thirty-five percent equity cushion, if borrower defaults and foreclosure you can sell at discount still recover principal\nFirst Lien Position Requirement – You must be first in line for repayment, if existing mortgage your loan needs to be senior or existing debt paid off, second position means you're behind someone else in foreclosure, not safe structure\nPersonal Guarantee Recourse – Asset is primary collateral but personal guarantee gives recourse beyond property, if deal goes sideways you can pursue borrower's other assets, additional layer of protection\nClear Exit Strategy Mandatory – How does this loan get repaid, sale of property, refinance with bank, cash flow from operations, if borrower can't answer clearly don't do the deal, exit clarity protects your capital\nProfessional Documentation Essential – Use attorney for all documentation, get promissory note, deed of trust...","thumbnail_url":"https://img.transistorcdn.com/NE9muFKf7ob9eJssBmXNvja0j-xOQGU8j1nPuVS77pI/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9jMjYz/MDY2M2Q1N2Q2YTA5/OWZmMWM4NTQwYzhi/Y2JiNi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}