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What Is Recourse vs. Non-Recourse Lending? A Plain-English Guide for Real Estate Investors
When a loan is described as “recourse” or “non-recourse,” that word is describing exactly one thing: what the lender can go after if the loan defaults and the foreclosure sale doesn’t cover the full balance. It sounds like a simple binary. In practice — especially in California — it’s one of the most misunderstood terms […]
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How Private Lenders Evaluate Borrower Experience Before Approving a Loan
Whether you’re borrowing from a private lender like LBC Capital or evaluating one as a fund investor, it helps to understand this: a private bridge loan isn’t just a credit decision — it’s closer to a partnership. The lender is handing over capital for 6 to 18 months to a specific person executing a specific […]
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What Is a Cap Rate — and Why It Matters for Private Real Estate Lenders
Cap rate, short for capitalization rate, is one of the most quoted numbers in commercial real estate — and one of the most misunderstood. For a private lender, it isn’t just a quick way to size up a deal. It’s a direct input into how much risk sits underneath every income-producing property loan, and getting […]
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What Is a Blanket Loan — and How Do Real Estate Investors Use Private Lenders for Them?
Most real estate financing works one property at a time: one loan, one deed of trust, one maturity date. That’s manageable with a couple of properties. It gets unwieldy fast once an investor owns eight, ten, or fifteen — multiple origination fees, multiple servicers, multiple maturity dates to track, multiple lender relationships to manage. A […]
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Interest-Only Loans in Private Lending: How They Work and Why Lenders Use Them
Most loans people deal with day to day — a mortgage, a car loan, a student loan — are amortizing. Every payment chips away at both interest and principal, so the balance shrinks a little every month. Private real estate loans mostly don’t work that way. Most bridge and short-term loans are interest-only, with the […]
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