I get this question a lot. "Julian, when should I actually use hard money instead of just waiting on the bank?" Fair question. Hard money isn't cheap, and it's not meant to be your forever loan. So before you call me (or any hard money lender), it helps to know exactly what problem you're trying to solve. Let's break it down. First, What Hard Money Actually Is Strip away the jargon and it's pretty simple. Hard money is short-term financing secured by the property itself, not