Lending Your Money In Real Estate

Learn how to safely lend money secured by real estate while minimizing risk through proper due diligence, deal analysis, and management.

26
Hrs
Mins
Secs
6
25
24
SEGMENTS DURATION
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Instructor Profile

Daine Clark

Daine Clark built a thriving real estate business by combining creative financing with strategic investing. Today, he specializes in structuring real estate deals that help investors build wealth through practical, proven financial strategies. Passionate about expanding access to real estate opportunities, Daine also provides financing solutions for individuals who may not qualify for traditional bank loans, helping them take their first steps toward investing.

Lending Your Money In Real Estate Course Description

In this course, Dane Clark teaches investors how to safely lend money secured by real estate while minimizing risk through proper due diligence, deal analysis, and transaction management. Students learn how to evaluate chain of title, review title reports, understand lien priority, calculate loan-to-value (LTV) and combined loan-to-value (CLTV), and assess realistic property values using comparable sales rather than relying on inflated opinions. The course covers borrower qualification, exit strategies, risk analysis, and the importance of accounting for all holding, closing, and selling costs. Dane also shares practical methods for managing contractors, controlling the flow of funds, structuring draw schedules, and protecting capital through milestone-based payments and inspections. Finally, he demonstrates simple systems for organizing due diligence, tracking transactions, and scaling a lending business. The course provides a complete framework for evaluating deals, protecting investments, and building a successful private lending operation.

  • 1

    Pre-Assessment

    Take this Pre-Assessment to see how much you already know on this topic.

  • 2

    Introduction

    Our instructor shares his journey from a shy dairy farm worker to an experienced real estate investor who has helped place over $110 million into real estate deals.

  • 3

    Title Reports

    Understand the importance of reviewing a title report before lending money on a real estate property. You can catch encumbrances that affect a property's title and a lender's position in the chain of title.

  • Show all 26 segments

    • 4

      Position On Title

      Learn how understanding chain of title and lien priority can create opportunities, reduce risk, and facilitate highly creative real estate deals.

    • 5

      Comparable Adjustments

      Know why lenders should independently analyze comparable sales and understand how adjustments affect valuations, rather than blindly trusting a realtor's or appraiser's opinion when determining loan-to-value and risk.

    • 6

      Comparing Price Per Square Foot

      Master this practical method for evaluating comparable properties to determine realistic property values and protect lending decisions.

    • 7

      Comparable Selection

      In this lesson, conservative, data-driven property valuations reduce risk, while cherry-picked comps and overly optimistic assumptions can lead to poor lending and investing decisions.

    • 8

      Loan To Value Analysis

      Know why loan-to-value is one of the most critical measures of real estate investment risk and realize when investors are no longer investing in real estate but are instead betting on a business plan or future appreciation.

    • 9

      Question & Answer

      In this segment, Dane addresses questions about title reports, title position, and how underlying loan balances can create significant risk.

    • 10

      Facing Foreclosure

      Using a real lending case study, learn the importance of negotiating, understanding each party's LTV exposure, and exploring alternatives.

    • 11

      Running The Numbers Part 1

      Know how to accurately evaluate the borrower and the economics of a deal rather than relying solely on collateral. Daine introduces his "Punisher" model to stress-test deals and ensure they remain profitable under less-than-ideal conditions.

    • 12

      Running The Numbers Part 2

      Master the science of thoroughly accounting for all holding costs and transaction expenses when evaluating a real estate deal, especially fix-and-flip projects, to avoid surprises and make better lending and investment decisions.

    • 13

      Running The Numbers Example Part 1

      Our instructor demonstrates how he analyzes a real lending deal by evaluating it from the borrower's perspective while simultaneously assessing risk for each lender involved.

    • 14

      Running The Numbers Example Part 2

      Understand the importance of analyzing backup exit strategies, calculating realistic profits using conservative assumptions, and knowing whether a deal has viable Plan B options if a sale does not occur as expected.

    • 15

      Working With Contractors Part 1

      Identify why contractor management is the single most common reason real estate projects fail, and learn how to thoroughly vet contractors by understanding their experience, workload, bidding process, payment expectations, and financial practices.

    • 16

      Working With Contractors Part 2

      Learn the framework for evaluating and managing contractor risk, not to avoid certain contractors but to understand and control the risks associated with how they operate.

    • 17

      Working With Contractors Part 3

      This lesson focuses on managing contractor through better payment structures with effective strategies, such as using escrow, using contractor’s own materials, paying after completion, and more.

    • 18

      Lender Checklist

      Daine shares several real-world examples to illustrate why contractor payment structures and accountability matter more than a contractor's reputation alone.

    • 19

      File Folder Workflow

      Our instructor explains the surprisingly simple system he uses to manage real estate lending and investment operations that have supported over $100 million in transactions.

    • 20

      Step By Step

      An efficient system allows team members to instantly understand the status of a deal, determine the next action required, and maintain accountability through documented verification and timestamps.

    • 21

      Governing Flow Of Money

      Controlling the flow of money is one of the most important responsibilities of a lender or investor. Investors should always know who controls the checkbook, who approves contractor draws, and who verifies completed work before payments are released.

    • 22

      Governing Settlement

      Understand how investors protect themselves when exiting a real estate deal by maintaining control over the settlement process.

    • 23

      Negotiating Terms

      Master negotiations in structuring lending terms, balancing risk and reward, and maintaining leverage throughout a loan relationship.

    • 24

      Foreclosure Options

      While foreclosure is a lender's last resort, Daine highlights the importance of proactive problem-solving, negotiation, and maintaining leverage throughout the life of a loan.

    • 25

      Streamline Your Paperwork

      Learn how success in real estate requires both strong relationships and efficient systems. Networking, collaboration, and learning from others are critical to completing successful real estate deals and protecting investments.

    • 26

      Post-Assessment

      Take this Post-Assessment to see how much you've learned in this class.

  • 26

    Post-Assessment

    Take this Post-Assessment to see how much you've learned in this class.