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Private lending offers speed, flexibility, and access—but it’s not a blank check. Too often, borrowers come to the table with no capital, no collateral, and a list of demands. They want 100% financing, zero skin in the game, and full control of the terms. Let’s talk about why that’s not just unrealistic—it’s unsustainable. The Myth of “Free Money” Private lenders aren’t banks, and we’re not venture capitalists. We’re deploying our own capital, assuming real risk, and structu