Legally Ever After Episode 13: Hard Money Tips for Investors 

 December 20, 2022

By  Pamela Maass Garrett

“If you know you're going to move quickly, hard money can be a great option,” explains Justin Cooper, Pine Financial Group. If you are new to investing, you may have heard of “hard money.” To break down this term and how it’s useful, Justin shares his top hard money tips.

The definition of hard money is a short-term, high-leverage loan. Unlike conventional loans, which can last years, hard money is a much quicker process, but you can buy the property faster with less money down. Whether you plan on doing a fixer-upper project or selling the property as a rental, you can benefit greatly from this strategy if you have the right advice and resources.

Hard money is not the only way, but it is effective. Learn more about the benefits of working with hard money lenders, the differences with conventional loans, and ensuring a high return on investment.


  • “Hard money is certainly a tool. It's not the end-all-be-all, but it can be an amazing tool for real estate investors.” (1:08-1:17 | Justin)

  • “One of the things you can get when you're working with a hard money lender is someone looking over your shoulder, making sure you're doing the right things or thinking about the right stuff.” (7:07-7:15 | Justin) 

  • “If you know you're going to move quickly, hard money can be a great option.” (20:11-20:15 | Justin)

  • “There's no one size fits all when it comes to the things that happen in real estate.”(25:29-25:33 | Justin)

  • “I wouldn't be where I am without countless people helping me out, whether through paid mentors, coaches, networking groups, or just somebody I meet in real estate, and we just have conversations, and they offer advice, thoughts, and feedback.” (32:43-32:59 | Justin)

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