The history of our industry includes endless esoteric debate over wether to call itself private money or hard money lending. If you do an online search of both terms you’ll discover there is no single definition for either. Take a look at any Arizona private money lender or Arizona hard money lender website and you’ll likely find both terms used interchangeably and frequently, but it’s not because they are confused. It’s all about ranking with the search engines and since the battle for business is now fought on the internet no one wants to leave to chance that all pistons aren’t firing. When the phone rings the borrower could be asking for either hard or private money and it makes no sense to argue with a good loan opportunity. “Are you guys private money or hard money?” My stock answer: “Absolutely!, now tell me what you’re trying to accomplish so that we can craft an exacting loan to fit your needs.” However, truth be told, given the opportunity to introduce myself where there are no preconceived notions about our business, I do prefer to say we are an Arizona private money lender. After all, “private” leaves less to the imagination than “hard”, don’t you think? Kenwood Mortgage Investments is an Arizona private money lender, and yes, we are also an Arizona hard money lender. Call us anything you like, so long as you call us when you need a fast funding without unnecessary personal intrusion or bank underwriting neurosis.