Comparing Hard Money Lending vs. Private Lending with MHS

If you're exploring ways to earn passive income through real estate, you've likely come across both **hard money lending** and **private lending**. At Multistate Home Solutions, we focus on the latter — and for good reason.

Here’s a breakdown of how the two compare:

1. Relationship-Based vs. Transactional
- Hard Money: Often through institutions or brokers with minimal relationship or transparency.
- Private Lending: Direct with us. You know the operator, the deal, and your role — start to finish.

2. Loan Terms
- Hard Money: Higher interest (often 12–15%), short terms, aggressive penalties.
- Private Lending: Our model offers **10% annual returns**, paid quarterly, with investor-friendly terms and clear expectations.

3. Transparency & Control
- Hard Money: You may not know what project your funds are tied to.
- Private Lending: You’re part of a select group funding specific, real properties — with clear documentation and communication.

4. Risk Exposure
- Hard Money: Often tied to speculative flips or high-risk borrowers.
- Private Lending: We use conservative underwriting, proven renovation models, and offer notes backed by real estate.

5. Passive Profit, Peacefully
Private lending with Multistate Home Solutions is designed to be *truly passive* — no drama, no surprises, just solid returns secured by real property.

Curious how it all works? Let’s walk through our lending process together.