Raising the Flipping Bar with Derek Marlin

Private Money Lending Explained: How Smart Investors Win in 2026

Derek Marlin Season 5 Episode 14

Welcome back to Raising the Flipping Bar.

In this episode, I wanted to slow things down and talk about something that’s coming up more and more in my day-to-day conversations — private money lending.

As we head into 2026, deal flow isn’t the problem. The real challenge is being properly capitalized and structuring deals in a way that protects downside while still creating strong returns. That’s where private money comes in.

I break down exactly what private money lending is, how it’s different from hard money, and why it’s becoming such an important piece of the puzzle for both operators and investors. We talk real numbers, real structures, real risks — and how to do this the right way.

Whether you’re flipping houses, wholesaling, lending capital, or sitting on cash wondering how to put it to work, this episode is meant to give you clarity and a framework you can actually use.

In this episode, I cover:

💰 What private money lending really is — and what it isn’t
 🏦 The difference between private money and hard money
 📊 Typical interest rates, deal structures, and timelines
 🧱 How private money is secured and why asset-backed lending matters
 ⚠️ The real risks involved and how to mitigate them
 📉 Why distressed opportunities are starting to show up again
 🔑 First position vs. second position lending explained
 🔄 Exit strategies every private money lender should understand
 📈 Why velocity of money matters just as much as yield
 🏗️ How operators and private lenders can win together long-term
 🧠 Who private money lending makes sense for heading into 2026

If you’re a real estate investor, business owner, high-income professional, or someone looking to diversify outside of traditional stocks and bonds, this episode will help you think more clearly about risk, structure, and opportunity.

Connect with me and ELEVATION

LinkedIn (Derek): /derekmarlin
 ELEVATION Website: https://elevationinvest.com

LinkedIn (ELEVATION): /elevationinvestmentproperties
 Instagram (ELEVATION): /elevationinvest
 Facebook (ELEVATION): /elevationinvestmentproperties

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