Private & Hard Money

No cash and no credit? You can still be part of a profitable real estate investment when you leverage resources and raise capital.


Whitnie Stark

Though she’s been a part of the Renatus community for more than a decade, Whitnie truly began her career as a real estate investor a little more than 4 years ago when she began a deep dive into her Renatus courses. Over the last 4 years, Whitnie has raised over 5 million dollars in private and hard money and closed more than 39 transactions.


"Can you do a real estate deal with no money and no credit? Explore a world of opportunities in this Private and Hard Money course. Learn the difference between hard and private money and how to effectively use both in your investment business. You will be able to identify how to leverage resources and utilize the correct terminology to raise capital for personal real estate investments while becoming the resource for real estate solutions in your sphere of influence.  When you learn to manage investors and interest effectively, you maximize the performance of your portfolio, get into more deals and will see huge success. Learn how Renatus community members have taken the information taught in this course and raised millions of dollars and put hundreds of properties in their real estate portfolios. Specific checklists and case studies walk investors through the time value of money, and how you can leverage resources to gain control of thousands of dollars in assets with little to no money out of pocket. It is all how you structure the deal for the Investor and the Lender. From equity sharing to points and interest, learn how Kendall has used these strategies to raise over 27 million dollars in funding for real estate investing. Now you can experience the same financial growth and success.

  • 1


    Take this pre-assessment to determine how much you already know and what you still have to learn.

  • 2

    Instructor Introduction

    Whitnie Stark has successfully closed dozens of real estate deals using the teaching material provided by Renatus, and has become a true professional in her line of work.

  • 3

    Marathons and Course Expectations

    Whitnie compares real estate knowledge to running a marathon. It is important to prepare and practice before setting off on what you want to accomplish.

  • Show all 43 segments

    • 4

      Real Estate Simplified

      The instructor shares her experience with her first non-traditional deal and how she was able to get the funding she needed by being creative and resourceful.

    • 5

      6 Simple Funding Categories

      Know the six different ways to get your deals funded. This segment provides a brief introduction to each one, before discussing them in detail later on in the course.

    • 6

      Rules and Definitions

      This segment covers some important terms, rules, and definitions that every real estate investor needs to know before they should look for money to fund a deal.

    • 7

      Prepare for Any and All Money Lending

      Whitnie tells the class how they can prepare before doing a deal. Some tips include: get educated, have a business plan, and keep a track record of success.

    • 8

      The Business Plan

      Learn why a business plan is so impactful and the types of information it should contain. Having this will help you visualize goals and how to reach them.

    • 9

      The Executive Summary

      When finding funding, an executive summary can help win over lenders while making you look more credible and honest. Whitnie shows the class what to include when creating their executive summary.

    • 10

      Math and Relationships

      The instructor explains how real estate is all about “math and relationships.” Also, she covers what the pros and cons of a hard money lender might look like.

    • 11

      Pros and Cons of Hard Money

      Know why hard money can be a great tool for real estate investors and what you should be aware of before taking out a hard money loan.

    • 12

      Finding Hard Money Lenders

      Learn some unconventional ways to seek out a money lender, where lenders get their cash, and how to build lasting relationships with them.

    • 13

      Questions to Ask a Hard Money Lender

      What questions should you ask to a hard money lender in order to get the best rates and most flexible payment options?

    • 14

      Google Activity

      See how easy it is to find hard money lenders in your local area. Whitnie challenges the class to call some of the lenders they found online and to ask them questions about their terms and rates.

    • 15

      Audience Break Out

      Whitnie invites some audience members up onto the stage to share their experience calling a real hard money lender and sharing what they learned.

    • 16

      Structuring Hard Money Deals

      The class is given some example numbers of an ARV, rehab costs, the cost of a loan, as well as desired profit in order to learn how to structure a hard money deal.

    • 17

      Structuring Hard Money Deals II

      The instructor compares two money lenders with the class, to show which one has the better terms on the same loan.

    • 18

      Structuring Recap

      Whitnie analyzes the terms of both money lenders with the class to determine who has the best deal.

    • 19

      Professional Money Lenders

      Our instructor provides first-hand experience on how she works with professional money lenders and how they tend to operate. In addition, she highlights the pros and cons of being a money lender from their perspective.

    • 20

      Professional Money Lenders II

      This clip is a refresh about the qualities of a professional money lender and how they differ from a hard money lender.

    • 21

      Preparing for a Professional Money Deal

      As with anything, it is important to prepare before talking to a money lender and ensure you are asking the right questions. Whitnie also reminds students where they can find professional money lenders and how to contact them.

    • 22

      Communicating With Pro Money Lenders

      Whitnie shows the class how they can begin talking to lenders, and how to foster a great relationship with them that will last for years to come.

    • 23

      Structuring Professional Money Deals

      Students will learn how money deals are structured using an example of a deal Whitnie did in the past.

    • 24

      Calculating A Professional Money Deal

      Calculate a professional money deal with the class. This is why it is important to run the numbers to determine the best lender for each individual deal.

    • 25

      24 - Break Out for Pro Money Lenders

      Whitnie invites the class to do the math on two different money lenders to determine which one has the better deal.

    • 26

      Private Money Lenders

      What are private money lenders - just an individual with funds to lend? Our instructor covers the pros and cons of a private money lender and how you can strengthen your relationship with them over time.

    • 27

      Private Money Lenders II

      This segment contains information that can better help students work with private money lenders, including how to build trust and how to educate them on what you are doing with their money.

    • 28

      Marketing to Who You Know

      The class learns how they can market to those people that they already know through social media and casual conversations.

    • 29

      Private Money Sources

      This segment is designed to show investors some additional private money sources that might not usually be considered. These might include IRAs, 401(k)s and self-directed IRAs.

    • 30

      How to Self Direct and Use IRAs

      Whitnie gives the class an overview of what using funds from a self-directed IRA might look like when doing real estate deals, and the types of paperwork required from all parties involved.

    • 31

      Real Estate Equity

      Whitnie and the live class participants discuss different equity funding options for homeowners, such as a HELOC and reverse mortgage, and the pros and cons of each.

    • 32

      Cash Equity and Debt

      Whitnie and the live class participants discuss different equity funding options for homeowners, such as a HELOC and reverse mortgage, and the pros and cons of each.

    • 33


      Learn what to include in your operating agreement so that everything runs smoothly and all the involved parties know exactly what’s going to happen.

    • 34

      SEC and Structuring

      Does your investment pass the Howey test? Know how to make sure you won’t have to deal with the SEC by checking these four points.

    • 35

      Understanding Personalities

      Know the strengths and weaknesses of yourself and your individual lenders to ensure that everyone communicates well and gets what they need from the deal.

    • 36

      Steps to Enrollment & Closing

      From the first conversation to “the meeting,” here’s what you need to do and share with them and what information you need to get from a potential lender.

    • 37

      Fear of Asking For Money

      How can you overcome that fear? Change your perspective: Present people with an opportunity to make more money instead of just asking them to give you the funds.

    • 38

      The Ask and Being Prepared

      Know the answers to these 14 questions before you get started so you’ll be able to explain everything clearly and accurately.

    • 39

      Follow Up

      Most investors need a little time to consider the details of the deal and discuss it with their loved ones. Know how and when to follow up your meeting and get the project rolling forward.

    • 40

      Case Study

      Our instructor shares one final case study, “Gretel,” and compares two different funding options, with an explanation of how they decided which way to go.

    • 41

      Private Money Calculation

      Do the calculations to make sure understand the details of a deal and know how to pull one together on your own.

    • 42

      Private Money Calculation II

      This is an example with two funding options. Which one is the best choice? Do the math and determine your answer, then see what Whitnie has to say about it. Are you ready to do a deal?

    • 43


      Take this post-assessment to determine how much you have learned and if you have any gaps in your knowledge.

  • 43


    Take this post-assessment to determine how much you have learned and if you have any gaps in your knowledge.