{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/686ade980ec74cebabf7851b6bd126d7\" frameborder=\"0\" width=\"1920\" height=\"1440\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1440,"width":1920,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1440,"thumbnail_width":1920,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/686ade980ec74cebabf7851b6bd126d7-3e50dd44003cb583.gif","duration":474.066667,"title":"Diversify Income Beyond Hard Money Lending","description":"This Loom explains why relying on hard money funds for income can be overly concentrated in real estate borrowers. The speaker argues that hard money returns such as 8% to 12% depend on whether a specific borrower completes and sells or refinances a property, stays on budget, and whether the market holds, with risk of nonpayment. They suggest diversifying income by comparing hard money with equity-linked bank CDs issued by large investment banks, noting that while risks still exist, the counterparty and drivers of return differ. The video also cautions not to compare investments only by the top-line expected return, emphasizing questions about liquidity and principal protection."}