I’m a capitalist. I help create wealth.  I own a small business—one that will be hiring in 2010.  I read that small business will drive the recovery.  Someone should tell that to our elected officials. As an originator of private money (aka hard money) loans, I and brokers like me are doing our part to stoke the flames of economic recovery. And we’re doing it while government passes new regulations making it harder to loan money and while the banks sit idly by allowing loan applications to wither and die. In the wreckage of the real estate market I seek opportunity and bring parties together for the economic benefit of all.  I simultaneously market for borrowers and investor-lenders, then work my skills to find the right fit.  I search for borrowers such as experienced real estate investors in need of more capital to acquire distressed real estate to either fix & flip or fix & hold.  I search for investors whose savings languish in stocks or bank accounts and show them how they can earn 8-11% annual returns safely and securely. Experienced real estate investors know how to make money in this market.  To them, borrowing at 10-12% rates makes sense because they stand to make much higher returns using their skills. With the added capital I help them obtain, they are able to acquire more distressed property and turn them into buying opportunities for homebuyers. I take idle or under-performing capital from the savings of regular people and turn it into a high monthly income stream for them; in turn their private loan helps real estate investors create profits that they spend and/or reinvest; and I earn fees by bringing these parties together.   Capitalism working its magic! God bless America and may 2010 be a prosperous year for you as well.