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Private Money Lending Safety Framework
I put together a 12 module private lending safety framework. It is just the lessons I have accumulated from doing it myself and from working with people who have been doing this for a long time. To get a clearer picture of how private lending is done safely, start here: https://acescapital.kit.com/pmlframework
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👉 How People Are Using Their 401(k)s to Start Businesses (Without Taxes or Penalties)
Most people think their 401(k) is locked up until retirement.The truth? You can legally use it to start or buy a business—without paying taxes or penalties. I put together a short guide that breaks down exactly how it works and what to watch out for. Inside you’ll learn: ✅ How the structure actually works ✅ What kind of company setup the IRS requires ✅ The step-by-step funding process ✅ Common mistakes that trigger penalties ✅ A simple checklist so you can move forward confidently If you’ve ever thought about using your retirement funds to build your own dream instead of someone else’s, this will open your eyes to what’s possible. Download the ROBS Starter Guide Not sure if you’re ready to start a business but want more control over your investments? 👉 Check out the SDIRA Starter Toolkit to see how people use their retirement funds to invest in real estate or lending instead of Wall Street.
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Welcome to The Self-Directed Network
Welcome! Start Here 👋 Let’s break the ice. In the comments, copy and paste this and fill it in: 1. My name is ________ 2. My favorite food is ________ 3. Here’s a picture of my workspace (or a quick description if you’d rather)
Fake equity
I get a lot of deals sent to me where they present equity cushion based on ARV. Unfortunately, I can't calculate equity off anything other than today's value. If the house is worth 200K today, reno costs 50K, ARV is 300K and the loan request is 225K. We're not at 75% LTV. We're at 112.5% LTV.
A lender gave me a simple rule before they'd look at any deal I send them.
5X. They won't fund more than 5 times a borrower's liquid assets. That's the ceiling. But before we even get there, we run a faster filter first: Liquidity minus down payment minus 15% of rehab costs has to be greater than zero. If it's not, the deal's dead before underwriting starts.
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Education for passive real estate investors who want clarity and confidence in understanding deals, operators, and structures.
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