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  • Writer's pictureCapital Bridge Partners

ChatGPT & The Road Ahead

Updated: Nov 19, 2023

By Daniel and Gavin | Capital Bridge Partners

With ChatGPT capturing our attention and filling our imaginations, we thought it appropriate to put the chatbot to test with a personal question: “what are the benefits of hard money?” This is a question that we are often asked, and even the subject of past blogs.

After about 5 seconds of “thinking”, ChatGPT spelled out a well thought-out and complete answer. While it could have been a little more colorful, the answer was accurate, powerful and of course, scary.

For many of us, ChatGPT has made AI tangible. It is a Costco sample of just how much our lives will change in the very near future. It’s disruptive. Jobs and whole industries will no doubt vanish very soon. Conversely, we can’t imagine how many new economies will appear. One thing is for sure, this ride is going to be the biggest one of our lives yet.

With this preamble, here is what ChatGPT had to say about the benefits of hard money (we didn’t ask about pitfalls) :

  • Fast access to capital: Hard money loans are typically easier and faster to obtain than traditional loans, which can provide you with the capital you need to take advantage of time-sensitive investment opportunities.

  • Flexible repayment terms: Unlike bridge loans, hard money loans can offer more flexible repayment terms, which can help you manage your cash flow and maintain liquidity. Some hard money lenders may even offer interest-only payments or longer loan terms than bridge loans.

  • Less stringent underwriting: Hard money loans are typically secured by the property being purchased or developed, which means that lenders may be less concerned with the borrower's credit score and financial history. This can be particularly helpful if you have a less-than-perfect credit history.

  • Higher loan-to-value (LTV) ratios: Hard money lenders may be willing to offer higher LTV ratios than traditional lenders, which can help you acquire more properties or finance larger projects.

  • Investment diversification: Hard money loans can offer you the opportunity to diversify your investment portfolio and reduce your overall risk. By investing in a range of properties or projects, you can spread your risk across multiple investments.

  • Opportunity to build relationships with lenders: Working with a hard money lender can provide you with the opportunity to build long-term relationships with lenders who are familiar with your investment style and needs. This can make it easier to obtain financing for future projects and help you grow your investment portfolio over time.

Like we said, very impressive, very scary!


Whether you’re in need of a bridge loan, fix or flip loan or construction loan, we are ready to help get you the loan you need that works best for you. Don’t hesitate to contact us today at 415-820-4770 or click here to send us a message.

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