Blog & Resources
Expert guides on loan documents, compliance, and state-by-state requirements for hard money lenders and private money lenders — from Anthony Geraci and the attorneys at Geraci LLP, with over 30 years of combined experience advising the private lending industry.
Free Calculators & Tools
DSCR Calculator
Calculate debt service coverage ratio for rental property loans.
Fix & Flip Calculator
Analyze ARV, LTV, LTC, holding costs, and projected profit.
Hard Money Loan Calculator
Calculate payments, origination fees, and total loan cost.
LTV / LTC Calculator
Calculate loan-to-value and loan-to-cost ratios.
All Articles & State Guides
AI for Private Lending Documents: The Complete Case
The full argument — vertical AI, the five capabilities, the risk it closes, and the 25 years underneath it — in one piece.
Whose AI Is in Your Loan Document Platform?
AI features are becoming table stakes. What can't be commoditized is the expertise the AI was built on. Here's why that's the whole game.
Entity Signing Authority in Private Lending
Funding an entity borrower without confirming signing authority is on the industry's list of mistakes that get lenders sued. Here's the fix.
The Real Cost of an Unenforceable Private Loan
Re-recording fees are a rounding error. The real exposure is usury reclassification, interest forfeiture, and loans a court won't enforce. Here's the math.
Why Generic AI Fails at Private Lending Documents
Horizontal AI tools are trained on everything and specialized in nothing. Here's why private lending documents need vertical AI — and how to tell the difference.
Private Money Lending Industry Statistics 2026
Market size, origination volume, average rates, loan terms, and trends in the private money lending industry.
Bridge Loan vs Permanent Financing — When to Use Each
Complete comparison of bridge loans and permanent financing for real estate investors.
Hard Money Loan vs Conventional Loan — What's the Difference?
Side-by-side comparison of hard money loans and conventional bank financing.
Alabama Private Money Lending Guide
Security instruments, foreclosure timelines, usury limits, and compliance for Alabama private lenders.
Alaska Private Money Lending Guide
Private lending compliance guide for Alaska — deeds of trust, foreclosure, and community property rules.
Arkansas Private Money Lending Guide
Arkansas 17% constitutional usury cap, judicial and non-judicial foreclosure, and compliance guide.
Delaware Private Money Lending Guide
Delaware judicial foreclosure, no business-purpose usury limits, and compliance considerations.
Hawaii Private Money Lending Guide
Hawaii private lending guide — dual foreclosure system, Act 48 mediation, and compliance.
Idaho Private Money Lending Guide
Idaho has no usury limit and fast non-judicial foreclosure. Complete compliance guide for private lenders.
Indiana Private Money Lending Guide
Indiana judicial foreclosure, no commercial usury limits, and private lending compliance.
Iowa Private Money Lending Guide
Iowa judicial foreclosure, 12-month redemption period, and private lending compliance guide.
Kansas Private Money Lending Guide
Kansas judicial foreclosure, 15% usury cap, and redemption period rules for private lenders.
Kentucky Private Money Lending Guide
Kentucky judicial foreclosure, no commercial usury limit, and compliance considerations.
Louisiana Private Money Lending Guide
Louisiana's unique civil law system, executory process, authentic act requirements for private lenders.
Maine Private Money Lending Guide
Maine judicial foreclosure, 12-18 month timeline, and compliance guide for private lenders.
Michigan Private Money Lending Guide
Michigan non-judicial foreclosure by advertisement, 6-month redemption, and compliance guide.
Minnesota Private Money Lending Guide
Minnesota non-judicial foreclosure, 6-month redemption, and private lending compliance.
Mississippi Private Money Lending Guide
Mississippi fast non-judicial foreclosure, no business usury limits, and compliance guide.
Missouri Private Money Lending Guide
Missouri fast non-judicial foreclosure (45-60 days), no business usury limits, compliance guide.
Montana Private Money Lending Guide
Montana trust indenture system, non-judicial foreclosure, and private lending compliance.
Nebraska Private Money Lending Guide
Nebraska deed of trust, 16% usury cap, and non-judicial foreclosure compliance guide.
New Hampshire Private Money Lending Guide
New Hampshire power of sale foreclosure, no business usury limit, and compliance guide.
New Mexico Private Money Lending Guide
New Mexico judicial foreclosure, 9-month redemption, community property rules for private lenders.
North Dakota Private Money Lending Guide
North Dakota judicial foreclosure, T-bill-based usury, and compliance guide for private lenders.
Oklahoma Private Money Lending Guide
Oklahoma judicial foreclosure, no business usury limits, and private lending compliance.
Rhode Island Private Money Lending Guide
Rhode Island power of sale foreclosure, 21% criminal usury cap, and compliance guide.
South Carolina Private Money Lending Guide
South Carolina judicial foreclosure, no business usury limits, and compliance guide.
South Dakota Private Money Lending Guide
South Dakota has no usury limit. Dual foreclosure system and compliance guide for private lenders.
Utah Private Money Lending Guide
Utah trust deed system, fast non-judicial foreclosure, and private lending compliance.
Vermont Private Money Lending Guide
Vermont judicial and strict foreclosure, no business usury limit, and compliance guide.
West Virginia Private Money Lending Guide
West Virginia fast non-judicial foreclosure (60-90 days), no business usury limit, compliance guide.
Wisconsin Private Money Lending Guide
Wisconsin judicial foreclosure, 12-month redemption, and private lending compliance guide.
Wyoming Private Money Lending Guide
Wyoming power of sale foreclosure, no usury limit, no state income tax — compliance guide.
Massachusetts Private Money Lending Guide
Massachusetts non-judicial foreclosure, 20% usury limit, and compliance for private lenders.
Connecticut Private Money Lending Guide
Connecticut strict foreclosure option, 12% usury limit, and compliance guide.
Pennsylvania Private Money Lending Guide
Pennsylvania judicial foreclosure, 6% usury limit with broad exemptions, and compliance.
Ohio Private Money Lending Guide
Ohio judicial foreclosure, 8% consumer usury, and compliance for private lenders.
Illinois Private Money Lending Guide
Illinois judicial foreclosure, 9% consumer usury, PLPA 36% cap, and compliance guide.
Oregon Private Money Lending Guide
Oregon non-judicial foreclosure, tenant protections, and compliance for private lenders.
Washington Private Money Lending Guide
Washington deed of trust, CLC licensing, 12% usury limit, and compliance guide.
Maryland Private Money Lending Guide
Maryland non-judicial foreclosure with Order to Docket, 8% usury, and compliance guide.
Virginia Private Money Lending Guide
Virginia fast non-judicial foreclosure (45-60 days), 12% usury, and compliance guide.
New Jersey Private Money Lending Guide
New Jersey judicial foreclosure, 30%/50% usury thresholds, and compliance considerations.
New York Private Money Lending Guide
New York judicial foreclosure (12-36 months), 16% usury, $2.5M exemption, compliance guide.
Nevada Private Money Lending Guide
Nevada non-judicial foreclosure, no business usury limits, community property rules.
Tennessee Private Money Lending Guide
Tennessee fast non-judicial foreclosure, 24% usury cap, and compliance guide.
North Carolina Private Money Lending Guide
North Carolina non-judicial foreclosure with clerk hearing, 8% usury, business-purpose exemption.
Georgia Private Money Lending Guide
Georgia fastest foreclosure (37 days minimum), security deed, and compliance guide.
Colorado Private Money Lending Guide
Colorado public trustee foreclosure system, 75-day redemption, and compliance guide.
Arizona Private Money Lending Guide
Arizona has no usury limit — the most permissive state. Anti-deficiency rules and compliance guide.
Florida Private Money Lending Guide
Florida judicial foreclosure, 18%/25% usury thresholds, right of redemption, compliance guide.
Texas Private Money Lending Guide
Texas non-judicial foreclosure (60-90 days), no usury >$250K, homestead protections.
How to Choose a Loan Document Provider
What to look for in a loan document platform. Attorney-drafted vs templates, compliance, updates.
DSCR Loan Documents — What Private Lenders Need
Complete guide to DSCR loan documentation: assignment of rents, covenants, and compliance.
California Private Money Lending Guide
California private lending compliance: DRE/DFPI licensing, Article XV usury, MLDS disclosures.
Usury Laws by State — Private Lender's Guide
State-by-state usury limits for private money lenders. Know your limits before you lend.
Private Money vs Hard Money — Is There a Difference?
The terminology is shifting. Here's why 'private money' is replacing 'hard money' and what it means.
Lending in Multiple States — Compliance Guide
How to expand your private lending operation across state lines without compliance failures.
Fix-and-Flip Loan Documents — Complete Checklist
Every document you need for a fix-and-flip loan: draws, holdbacks, completion guarantees.
Private Lender Compliance Guide — What You Need to Know
Compliance framework for private money lenders: licensing, disclosures, business-purpose documentation.
Deed of Trust vs Mortgage — What's the Difference?
Understanding security instruments state by state. Which states use which, and why it matters.
The Complete Guide to Hard Money Loan Documents
Everything you need to know about private money and hard money loan documentation.