Episode 259: Structuring Private Loans Safely

Infinite Banking Daily · Sep 17, 2026 · 3m

Discover how to structure private loans safely—the difference between great returns and total loss is upfront structure, not interest rate—covering the five non-negotiables: sixty-five percent maximum loan-to-value ratio with thirty-five percent equity cushion, first lien position ahead of all other debt, personal guarantee for recourse beyond property, clear exit strategy for repayment, and professional documentation with attorney promissory note deed of trust title insurance appraisal. Safe private lending is boring: conservative ratios first lien positions proper documentation, but boring…