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Hard Money Loans Explained: Rates, Terms, and When to Use Them

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47% of real estate investors who use hard money loans close their deals in 14 days or less, compared to 45-60 days for traditional bank financing—a speed advantage that can mean the difference between winning and losing in today’s competitive market. After closing over 3,000 home loans during my years at Chase Bank and Wells … Read more

Hard Money Loans Explained: Rates, Terms, and When to Use Them

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Hard money lenders closed over $47 billion in loans during 2024, yet most real estate investors still don’t understand when these loans make financial sense versus when they’re just expensive mistakes. After closing thousands of home loans at Chase Bank and Wells Fargo, then founding YPN Inc. where I’ve worked with investors for 8+ years, … Read more

How to Find Fix and Flip Deals Before They Hit the MLS

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Most real estate investors think the MLS is where you find the best fix and flip deals. They’re wrong. After closing over 3,000 home loans at Chase Bank and Wells Fargo, I watched countless investors chase the same overpriced properties on the Multiple Listing Service. The math was brutal: by the time a distressed property … Read more

How to Find Fix and Flip Deals Before They Hit the MLS

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Most investors think the MLS is their hunting ground for fix and flip deals. They’re wrong—and they’re missing 73% of the market. During my 8+ years as CEO of YPN Inc., I’ve watched thousands of investors chase the same overpriced listings on the MLS while the real players operate completely off-market. When I was closing … Read more

How to Find Fix and Flip Deals Before They Hit the MLS

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Most investors think the MLS is where real fix and flip deals live. They’re dead wrong. After closing over 3,000 home loans at Chase Bank and Wells Fargo, I watched countless investors chase the same picked-over properties on the Multiple Listing Service. They’d bid against 15 other flippers for houses that had been sitting on … Read more

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David J Moore MBA

About the Author

Hi, I'm David J Moore, MBA. I help investors and professionals use AI, real estate, and online income strategies to build freedom, flexibility, and long‑term wealth.