Navigating Real Estate Investment Without Banks: Lessons in Private Lending

#realestate #privatemoney #jayconner

***Guest Appearance

Credits to:
https://www.youtube.com/@KeshavKolur-CliveCapital
"EP. 32 - Fire Your Banker Alternatives to Bank Funds and Hard Money with Jay Conner"
https://www.youtube.com/watch?v=b_VOlONeAtw

If you’re a real estate investor—whether just starting out or already seasoned—chances are you’ve wrestled with raising capital. Traditional bank loans and hard money lenders might seem like your primary options, but as Jay Conner shares in his recent conversation with Keshav Kolur and John Lai, there’s a powerful alternative many overlook: private money.

In this candid and insightful episode, Jay draws from over 23 years of real estate investing experience, breaking down exactly how he’s leveraged private money to transform his business.

What Is Private Money—and Why Does It Matter?
First things first, Jay clarifies: private money means raising funds directly from individuals (private lenders), not banks or hard money lenders. These lenders are real people—perhaps folks from your network—who are willing and able to loan money from their capital or retirement funds in exchange for an attractive, secured return.

Jay started his journey relying on local banks, only to have his “funding rug pulled out” during the 2009 financial crisis. That abrupt shift forced him to get creative. That’s when he discovered that teaching people about private money—and offering them a safe, secure way to invest—could open doors not just for him, but for the lenders as well.
He emphasizes, “I’ve never missed out on a deal for not having the money,” and has built relationships with 47 private lenders, raising millions without ever begging, selling, or convincing anyone. The key? Education.

Three Keys to Finding Private Lenders

According to Jay, there are three categories where you can source private lenders:

Your Warm Market: These are people you already know—friends, family, colleagues, folks at your church or local Rotary club, even your golf buddies.

Your Expanded Network: Go where money-minded people congregate. Jay highlights organizations like Business Networking International (BNI) for the rapid expansion of your connections and credibility.

Existing Private Lenders: These are individuals already lending money to real estate investors. While you can comb public records or lean on software solutions for contact info, networking events (especially at self-directed IRA custodians) are goldmines.

Timestamps:
00:01 Pros of Investing in Small Markets
03:28 Birth of Private Money Funding
08:31 Leveraging Local Networks for Business
12:04 Single-Family vs. Commercial Property Investments
16:01 Private Lender Protection Measures
18:27 Prioritize Financial Prep Before Deals
20:27 Guide to Starting as a Private Lender
24:51 Maximizing Profits in Real Estate
29:59 Tax Implications of Investment Capital
33:04 Private Lender Note Exchange
37:08 Diverse Private Lender Profiles
39:20 Join the Private Money Challenge:
https://www.PrivateMoneyChallenge.com
42:47 Creative Real Estate Financing Strategies
45:35 Explore Alternatives to Banking

Private Money Academy Conference:
https://www.ThePrivateMoneyConference.com

Free Report:
https://www.jayconner.com/MoneyReport

Join the Private Money Academy:
https://www.JayConner.com/trial/

Have you read Jay’s new book, Where to Get the Money Now?
It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book

What is Private Money? Real Estate Investing with Jay Conner
http://www.JayConner.com/MoneyPodcast

Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.

https://youtu.be/wUSBLD-6SXk

#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners #Foreclosures #FlippingHouses #PrivateMoney #RaisingPrivateMoney #JayConner

YouTube Channel
https://www.youtube.com/c/RealEstateInvestingWithJayConner

Apple Podcast:
https://podcasts.apple.com/us/podcast/private-money-academy-real-estate-investing-with-jay/id1377723034

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