The Multifamily Real Estate Experiment Podcast
“Multifamily Real Estate Investing for the Career Professional.” Join Shelon "Hutch The Marine Investor" Hutchinson who talks to military veterans and real estate professionals about the results of their journey and multifamily real estate experiments. Each week, Hutch discusses Multifamily Real Estate Investing for Career Professionals and military veterans to help you build wealth and financial independence. Questions about Multifamily real estate investing are systematically dissected as your host works through observations and data to answer the week's question.
The Multifamily Real Estate Experiment Podcast
MFREE 106 Trailer # 3 with Brandon Rickman: “Do You Know the 3 Ways Smart Investors Fund Their Deals?”
Most people think there's only one way to fund a deal: go to the bank and pray they like your tax returns.
But that’s just one bucket.
In this episode, we unpack three types of lending that every real estate investor (and honestly, every entrepreneur) should understand—because it's not just about the rates... it's about control, relationships, and how fast you can move.
💡 You'll hear how institutional, hard money, and private lending differ—and why private capital built on trust might be the most underrated superpower in business.
This isn't just a real estate conversation. It's a lesson in leadership, credibility, and resourcefulness. Because when the banks say no, how do you still say yes to opportunity?
👉 Which lending path matches your mindset?
#LeadershipInBusiness #PassiveIncomeTalk #RealEstateStrategy
*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Thank you to all of our listeners!!! We would love to hear from you!!!
Email me at:
hutch@hsquaredcapital.com
*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com
Join our Facebook Group:
The Multifamily Real Estate Experiment
Follow us on Instagram:
@hutchthemarineinvestor
So I kind of put, lending into three major buckets, right? When I first started in real estate, I thought of there was only one bucket, and that was institutional lending, which is, using a bank. But what I found, especially when I was doing new construction and building new houses, that. They require a lot of paperwork. they want all your W2s. They wanna see what your income for the last couple of years has been, and then they'll only loan you a percentage of the money. So institutional bank or brokers is the first bucket, usually a lower interest rate, much more difficult to get. The second bucket that you asked about, we call hard money lending. I call hard money lending, which is a pretty common term in the real estate space. But hard money lenders are larger companies that pool money from other investors, and then they loan it out to other flippers, other real estate investors. And so it's much easier to get, they don't require all the, tax records and documentation and all that much easier to get, but they interest rate is higher. And then the third bucket, which I'll cover quickly, we call private loans. And some people say, well, what's the difference in private loans and hard money loans for the way we break it down? Private lending is from people, uh, friends and family that know me, they know my business, they trust me. That's the easiest type of financing in my opinion, because. I can negotiate the rate, I can negotiate the terms, I can negotiate the payback. but those lenders also have limited funds. Hard money is a little more difficult than private lending, but they have much bigger pools of money to loan out.