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Private lending
Understand the business before you commit.
Start with questions about the process, the documents, and whether working together makes sense.
What the first conversation covers
We'll discuss the type of notes LJH evaluates, the way a deal is reviewed, and the questions you want answered. A conversation is an introduction, not a commitment or an offer of a particular investment.
- Business fit. Understand first mortgage notes and the difference between performing and nonperforming loans.
- Deal review. Discuss payment evidence, collateral value, title, taxes, insurance, servicing, expenses, and possible exits.
- Documentation. Identify what needs review before any transaction and which professionals should help.
- Terms. Review any proposed repayment, security, reporting, remedies, and duration individually.
Questions you should ask me
- What exactly am I lending to, purchasing, or partnering in?
- What establishes my rights and any collateral interest?
- How does the proposed repayment work if a borrower stops paying?
- What records support the payment and property assumptions?
- Who handles servicing, legal work, and reporting?
- What expenses, delays, and exit limits should I understand?
A mortgage securing a borrower's note does not automatically give someone lending to LJH a direct lien on that property. The transaction documents must establish the actual rights and security.
Risks deserve equal attention
Payments can stop. Property values and recovery assumptions can be wrong. Taxes, insurance, legal expenses, servicing, and delays can affect results. A buyer or lender may not be able to exit when desired. Principal and returns are not guaranteed.
Review before money moves
Have your own legal, tax, and financial professionals review an actual proposal and its documents. This page does not publish rates, fund terms, minimum investments, or a claim that any arrangement is exempt from securities rules.