Raising Private Money with Jay Conner

From Desperation to Confidence: Mastering Private Real Estate Funding With Jay Conner

***Guest AppearanceCredits to:https://www.youtube.com/@TheWealthClockPodcast “How to Raise Private Money Without Banks | Jay Conner | EP41.”https://www.youtube.com/watch?v=5vg2sJVkicg&t=6s When it comes to real estate investing, access to capital is the lifeblood of every successful deal. Yet, for many investors, acquiring funding without relying on traditional banks can seem like an insurmountable challenge. In a recent episode of the Raising Private Money Podcast, The Private Money Authority, Jay Conner shared his proven strategies for raising and leveraging private money with Steven Weinstock. Their discussion offers a treasure trove of practical advice for both new and experienced real estate professionals looking to expand their financing options.The Myth of Desperation: How to Approach Private MoneyOne of the most common misconceptions about raising capital is that it involves "begging, chasing, or persuading" people to invest in your deals. As Jay Conner explained, the key is to separate conversations about the opportunity from discussions about any specific deal. According to Jay, "desperation has a smell to it"—if you approach someone with a deal and immediately start explaining why you need funding, you risk sounding desperate and losing credibility.Instead, Jay’s approach centers around education. By taking on the role of a “private money teacher,” he empowers potential lenders to understand the opportunity without any pressure. He uses strategies like private lender luncheons, where he invites contacts (including lawyers, CPAs, and real estate agents for added credibility) and simply educates them about private lending—no hard sell required.Who Are Private Lenders and Where Do You Find Them?Private lenders are individuals—not institutions—who are willing to finance real estate deals in exchange for a return on their money. Jay identifies three categories of potential private lenders:Warm Market: Your immediate network—friends, family, colleagues, and professional contacts already in your phone.Expanded Warm Market: By joining organizations like Business Networking International (BNI), you can expand your connections quickly and tap into new groups interested in real estate investing.Existing Private Lenders: People who are already loaning money to other real estate investors, whom you might meet at self-directed IRA networking events.Interestingly, many of Jay’s lenders had never even heard of private money investing or self-directed IRAs before he educated them about the concept, highlighting the importance of informing your network.Structure and Security: Treating Private Lenders Like BanksA critical draw for private lenders is the security they receive. As Jay Conner detailed, private lenders are not joint venture partners; instead, they function similarly to a bank. Loans are secured by a first-lien position on the property, backed by promissory notes and either a mortgage or deed of trust, depending on the state. Lenders are also named on the insurance and title policies, offering them the same protections a traditional bank would receive.Why Investors Love Private MoneyThe benefits of working with private lenders are manifold, as Jay outlined:Speed to Close: Without bureaucratic hurdles, deals can close in just a week.Unlimited Opportunity: There's no cap on the number or amount of private loans.No Draws for Rehab: Investors can secure all rehab funds upfront, improving cash flow.Increased Confidence: Knowing the money is ready allows you to make more aggressive offers.This flexibility is vital in a shifting market, as Steven Weinstock recounted from his own experience during the 2008-2009 financial crisis, when traditional lending dried up and even fifty-percent-down deals were scrutinized.The Simple Five-Step System to Attracting Private MoneyJay revealed a straightforward five-step process for those looking to get started:Make Your List – Identify potential lenders in your contacts.Start the Conversation – Use simple scripts to introduce the concept.Send Educational Material – Jay utilizes a "stress-free investing" audio guide.Host an Educational Meeting – Teach the benefits and process of private lending.Secure a Verbal Pledge – Once comfortable, move forward with a real deal.ConclusionAs the episode makes clear, the path to private money isn’t paved with desperation or high-pressure tactics but with education, credibility, and building real relationships. By positioning yourself as a resource and educator, and by structuring deals to protect and benefit your lenders, you can unlock an inexhaustible source of capital for your real estate investing goals.For more actionable tips and access to Jay Conner’s resources, including his book and scripts, visit his website provided in the episode.With the right knowledge and approach, private money is not just accessible—it's a game-changer for your real estate business.10 Discussion Questions from this EpisodeJay Conner emphasizes the importance of separating conversations about opportunities from discussions about specific deals to avoid appearing desperate. How might this strategy change the way you approach potential private lenders?What distinguishes private money from institutional money in real estate transactions, and what advantages do private lenders offer that institutions often cannot?Jay Conner outlines three main categories where private lenders can be found. Which category do you think would be the most beneficial for beginners, and why?The episode discusses hosting private lender luncheons as an educational strategy. What potential benefits and challenges might arise from this method of networking?Why does Jay Conner advise getting private money lined up before making offers, and how could this shift the confidence and success rate of real estate investors?The legal structure of private money deals is compared to borrowing from a bank, including promissory notes and liens. What legal protections are provided to private lenders, and how might this impact their willingness to invest?In what ways does paying private lenders interest-only payments, rather than principal and interest, benefit both parties in a real estate deal?How do the tax implications differ for private money lenders using investment capital versus retirement funds, and what considerations might this create for both investors and lenders?Jay Conner describes himself as a "big fish in a small pond" by focusing on two counties in North Carolina. What are the merits and drawbacks of focusing on a small, targeted market versus expanding into multiple markets?The five-step system to attract private money without chasing it includes creating a list, having opening conversations, sharing educational material, teaching the opportunity, and gaining verbal pledges. Which step do you believe is most critical, and why?Fun facts that were revealed in the episode: Jay Conner Never Missed a Deal Due to Lack of FundingSince he began using private money in February 2009, Jay Conner has never missed out on a real estate deal because he didn’t have the funding lined up ahead of time, thanks to his strategies for raising private capital 01:19.First Private Lender Luncheon Yielded Almost $1 Million.At his very first private lender luncheon, Jay Conner invited about 20 connections from his network, along with his real estate attorney, CPA, and realtor—and received $969,000 in pledged funding from that single event 05:23.Average Profit of $86,000 Per Single Family HomeJay Conner revealed that his average profit per single-family house—achieved through renovating and reselling—has been $86,000, showing the potential returns from his approach to real estate investing with private money at 15:46.Timestamps:00:00 Finding and Educating Private Lenders07:58 Private lender vs joint venture partner09:51 Benefits of Working with Private Lenders13:42 Real estate challenges post-2008 crisis17:39 Interest-only loan payment options22:01 Growing Up in the Mobile Home Industry25:28 First real estate deal story30:02 gifts and conference offer31:52 Discussing access to capital Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy:

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Jay Conner on Private Money: Funding Deals and Gaining Financial Control

2w ago00:38:15Tap to summarize

***Guest AppearanceCredits to:https://www.youtube.com/@WealthArchitectPodcast “SE3 Episode 14: How to Invest Without Banks | Jay Conner”https://www.youtube.com/watch?v=Mp0PBbv3Gb4 Are you a real estate investor tired of jumping through hoops at the bank? Imagine never missing out on a deal because you “didn’t have the funding.” That’s exactly what Jay Conner, The Private Money Authority, has achieved since 2009. In this game-changing episode, Jay sat down with Emilio DiSpirito to break down his system for raising and leveraging private money—no banks, no institutional “gatekeepers,” and absolutely no hard money lenders.Busting the Biggest Myth in Real Estate FinancingMost real estate investors believe their growth is capped by access to bank or hard money financing. Jay calls this the “number one misconception”—the idea that whoever has the money makes all the rules, sets the terms, and holds all the power. Before discovering private money, Jay missed out on deals simply because standard funding sources decided not to play ball, regardless of his perfect track record or credit.But everything changed in 2009. After being cut off by his local bank overnight, Jay learned how to tap into the world of private lenders—ordinary people seeking better returns on their savings or retirement funds. This single pivot has allowed him to fund every deal for over a decade, leveraging over $50 million in private lending.Adopt the Right Mindset: From Chasing to AttractingAccording to Jay, the key to raising private money is right between your ears. The crucial shift is moving from a mindset of chasing, begging, or persuading (which investors dread) to one of educating and serving. As he puts it, “No chasing, no begging, no selling, no persuading at all.” Instead, Jay positions himself as a “private money teacher,” simply educating friends, professional contacts, and even service providers about a new opportunity—one that solves the problem of low, unsafe, or volatile returns elsewhere.Importantly, he never pitches a deal right away. Instead, he explains the concept of private lending, details the protections (promissory note, mortgage security, insurance, etc.), and outlines the terms. The property only comes up after a lender has expressed interest in investing.Where to Find Private Lenders…and How to Build TrustJay reveals three major sources for finding private lenders:Your Existing Network: The contacts in your phone, social networks, and professional circles. Trust is already built in.Referrals: Ask existing connections who else they know who might be interested. Trust transfers through connection.Expanded Networks: Business networking groups, especially Business Networking International (BNI), which both Jay and Emilio cite as game-changing for scaling up their funding relationships.The initial conversation is simple, but powerful: “With everything going on in the markets, are you earning a high, safe return on your money?” If the answer’s “no,” it’s time to educate, not sell.Protecting Your Lenders, Keeping ControlSecurity is paramount for both the lender and the borrower. Jay’s system always collateralizes loans with real estate—no unsecured funds, no syndication complications. Each lender receives a promissory note, a deed of trust or mortgage (depending on the state), and is named as mortgagee on insurance policies. He never borrows more than 75% of the after-repair value, ensuring a significant equity cushion.Funds never go directly to the investor but instead to the closing agent or attorney’s escrow, providing full transparency and compliance.Results: Financial Freedom and Opportunities for OthersThe system works—Jay continues to flip homes with average profits of $86,000 per deal, all while never worrying about bank approvals.For new investors, he offers scripts, a best-selling book, and live private money conferences to teach these methods hands-on. The message is clear: real estate financing isn’t about begging for money—it’s about providing a win-win opportunity for everyone.Ready to break free from the banks? Follow the advice in this episode and start building your own network of private money lenders—one conversation at a time.10 Discussion Questions from this EpisodeHow did Jay Conner’s experience losing his line of credit in 2009 change his approach to real estate financing?What are the key differences between private money and hard money lending, according to Jay Conner?Why does Jay Conner emphasize the importance of mindset when it comes to raising private money?What strategies does Jay Conner use to start conversations about private lending without sounding salesy or desperate?How does Jay Conner ensure his private lenders are protected when investing in real estate deals?What role do self-directed IRAs play in private real estate lending, and what are the advantages for both the investor and the lender?Why does Jay Conner believe “no pitching of deals” is crucial in his process for attracting private lenders?According to Jay Conner, how can business networking organizations like BNI help expand your pool of potential lenders?What are some of the marketing tactics Jay Conner uses to find distressed properties and motivated sellers?What three resources does Jay Conner offer at the end of the episode for those who want to start raising private money, and how might these tools be useful to a new investor?Fun facts that were revealed in the episode: Speed of Funding: Jay Conner regularly funds deals using private money in as little as seven days, thanks to relationships with custodians like Inspira and Directed IRA, making private funding much faster than traditional methods.Payday at Closing: Instead of putting money into his deals, Jay Conner often walks away from the closing table with a check in hand—sometimes tens of thousands of dollars—because his model allows for excess cash at closing.Scripts for Success: New real estate investors can access Jay Conner’s "Million Dollar Script Collection" with twelve different scripts for starting private money conversations—removing the stress of not knowing what to say when raising capital.Timestamps:00:00 Introducing Jay Conner's expertise03:35 Learning About Private Money11:19 Focusing on servitude in business13:32 Using retirement funds for investments19:11 Building and Expanding Your Network22:20 Becoming BNI education coordinator24:29 Protecting private lenders in real estate31:20 Real estate marketing strategies35:38 Resources for Raising Capital38:17 Getting the free money guide Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners #Foreclosures #FlippingHouses #PrivateMoney #RaisingPrivateMoney #JayConnerYouTube Channelhttps://www.youtube.com/c/RealEstateInvestingWithJayConner Apple Podcast:

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Overcoming Obstacles in Real Estate by Mastering Private Money with Jay Conner

3w ago00:32:55Tap to summarize

***Guest AppearanceCredits to:https://www.youtube.com/@TheRealBridgetStuart “Funding Fix and Flip Deals with Private Money | Jay Conner on The Inner Estate”https://www.youtube.com/watch?v=cDuad6P1QNE In the ever-evolving world of real estate investing, one element reigns supreme: access to capital. Traditional lending from banks can be slow, restrictive, and, as many investors learned in 2009, unpredictable. On the Raising Private Money podcast, the renowned Private Money Authority, Jay Conner, shares his wisdom on the game-changing world of private money and offers practical steps for both investors and everyday people who want to build wealth or participate safely in real estate.The Turning Point: Crisis Breeds OpportunityJay Conner’s journey into private money began with a problem many investors can relate to: he found his bank line of credit abruptly closed, right when he had two houses under contract. Traditional funding methods collapsed during the financial crisis of 2009, leaving countless serious investors stranded. But as Jay Conner says, "Every problem is an opportunity." With no way to fund his deals, he sought out solutions and found a new path in private money, forever changing his approach and tripling his business in a single year.What is Private Money (and What It’s Not)Many new investors—and even members of the general public—can confuse private money with hard money or, worse, risky "loan shark" financing. Jay Conner sets the record straight: private money is capital raised from individuals—ordinary people such as teachers, civil service workers, or even minors who have inherited capital—not institutions. In private money transactions, there are no middlemen or brokers, and the terms are mutually agreed upon between the investor and the lender.Hard money, on the other hand, typically comes from institutional lenders or brokers, requires fees and points, and often includes restrictive terms and caps on the number of deals you can fund. With private money, Jay Conner emphasizes, "We make the rules." This flexibility allows for faster closing, more creative deals, and often better rates for both parties.The Mindset Shift: Teacher, Not SalespersonOne of the most profound takeaways from this interview is Jay Conner's approach: never pitching, always teaching. Rather than chasing potential lenders, he educates people in his network about the opportunity. "Desperation has a smell to it," Jay Conner says, warning that raising money when you need it is the worst time. Instead, take on the mindset of diagnosing a problem: Are people happy with their investment returns?—and then presenting private lending as the solution.Safety, Security, and Building TrustJay Conner stresses that private money deals are asset-backed. Each private lender receives a promissory note, and their interest is secured by real property. They’re named on the property insurance and title, just like a bank, ensuring their investment is protected. The money lent is never more than 75% of the after-repair value, creating an equity cushion that minimizes risk in a downturn.Anyone Can ParticipatePerhaps the most inspiring lesson is that private investing isn’t just for the wealthy. Ordinary people with modest retirement funds or savings can benefit, and investors don’t need to have it all figured out before starting. The process is approachable; the concepts are simple when you have a guide or mentor. Jay Conner and his wife have educated dozens of lenders who never even knew private lending existed until they were introduced to it.Taking the First StepFor those ready to take action, Jay Conner offers practical resources—books, scripts, and even invitations to his live events in North Carolina. His central message: implementation is power. Knowledge alone won’t build wealth. Whether you want to invest or lend privately, start by seeking education, surround yourself with experienced people, and take that first step.Private money doesn’t just expand deals—it empowers ordinary people to build generational wealth safely, securely, and with confidence. The opportunity, as Jay Conner reminds listeners, is truly open to everyone.10 Discussion Questions from this EpisodeJay Conner describes his transition from traditional bank financing to using private money in 2009. What circumstances led to this change, and how did it reshape his approach to real estate investing?What are the key differences between “private money” and “hard money,” as explained by Jay Conner? Why does confusion often arise between these two in the public’s perception?Jay Conner emphasizes having a “teacher mindset” when working with private lenders instead of pitching deals. How does this approach build trust and benefit both sides of the transaction?Bridget Stewart and Jay Conner discuss the philosophy that “the money comes first” before the deal. Do you agree with this approach? Why or why not?Jay Conner consistently offers 8% returns to private lenders. How does this compare to more traditional investments, and what might make it attractive to everyday individuals?Jay Conner advises never to lend more than 75% of the after-repair value of a property. What protections does this practice provide for both the investor and the private lender?Bridget Stewart raises the topic of limiting beliefs when starting in private money lending or real estate investing. What mindset strategies does Jay Conner suggest for overcoming these barriers?How do self-directed IRAs factor into private money lending, according to Jay Conner, and what makes them powerful for both investors and lenders?Jay Conner mentions that many of his private lenders are people from ordinary backgrounds, such as retired teachers or police officers. What does this indicate about who can participate in private money lending?During the 2008-2009 financial crisis, Jay Conner’s access to traditional funding disappeared. How did his pivot to private money not only resolve his immediate trouble but also open new doors for expanding his real estate business?Fun facts that were revealed in the episode: Jay Conner Never Pitches DealsJay Conner revealed that in all his years of raising private money, he has never actually "pitched" a deal. Instead, he educates potential lenders about the opportunity and calls them only when there’s a deal that matches their interests 00:00, 11:03.“Lunch and Learn” Raised Nearly $1 MillionAt one of Jay Conner’s private money luncheons, he raised a staggering $969,000 just from a single event by educating attendees about private lending at 07:49.Ordinary People as Private LendersAll of Jay Conner’s private lenders are everyday people—retired teachers, civil service workers, police officers, Marines, and even minors who inherited money—not wealthy elites or professional investors 06:20, 18:43.Timestamps:00:00 Dealing with a credit crisis04:24 Discovering private money sources07:25 Hosting a private money luncheon13:04 Using private money for real estate16:11 Difference between hard and private money18:23 Protecting private lenders' interests22:21 Encouragement for all investors25:29 Leaving mobile homes behind27:25 Mindset and cash resources31:29 Discussing generational wealth opportunitiesConnect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners

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Mindset and Strategy: Willie Oyola’s Path to $3 Million in Private Real Estate Funding

3w ago00:29:44Tap to summarize

Are you a real estate investor struggling to find funding for your deals? You’re not alone. Many aspiring and experienced investors have hit the same wall, believing that it takes money to make money and that a lack of cash flow is the number one obstacle holding back their real estate ambitions. But what if the real problem isn’t the money—it’s how you think about getting it?That’s the central lesson from a recent episode of the “Raising Private Money” podcast, hosted by Jay Conner and featuring special guest Willie Oyola, a Florida-based investor who has raised over $3 million in private money since joining Jay’s elite mastermind group just three years ago. Willie’s story is proof that the key to funding your real estate deals lies not in who you know, but in what you say and how you say it.The Road from Banks to Private LendersLike many investors, Willie Oyola began his real estate journey with single-family rentals, going the traditional route—20% down payments through banks, slowly burning through his cash reserves. When he started tackling fix-and-flips, hard money lenders became his go-to, but again, the costs and fees added up quickly.The breakthrough? Private money—capital sourced directly from everyday people, not institutions. Unlike hard money, which often comes through brokers pooling investor funds (and charging hefty fees and high interest), private money is a direct relationship: you, the investor, and an individual lender in your community. These lenders aren’t necessarily wealthy; they’re ordinary folks with some money sitting idle, often in retirement accounts or savings, unhappy with traditional returns.Mindset Over MechanicsIt’s easy to think that landing private money is all about strategy—networking, pitching, salesmanship. But as Willie Oyola reveals, the real tipping point is mindset. Most investors mistakenly believe they must “pitch” a deal, asking for money and sounding desperate or salesy. Instead, the real game-changer is shifting to an educator’s mindset—sharing the opportunity, teaching others about your process, and letting the right people gravitate towards your offer.“You’re not asking for money at all,” explains Willie Oyola. “You have to position things differently—don’t talk about a deal at all, even if you have one in mind. Focus on your program, not your need.” When you approach conversations this way, you sound confident and in control—not like someone who’s scrambling for cash.The Private Money AdvantageWhat makes private lending so attractive, both for the investor and the lender? For starters, the terms are dictated by you, the borrower, not the lender or a faceless bank. Lenders get bank-level security, with their investment secured against real estate via recorded mortgages, promissory notes, and title insurance—the same way a bank protects its loans. No profit splits, no surprise losses, just a reliable, predictable rate of return.It’s a win-win. Private lenders get a higher, more stable return than stocks or mutual funds, and they get the peace of mind that comes with knowing their investment is backed by real property, not paper. Meanwhile, you get to grow your business without personal guarantees, credit checks, or mountains of paperwork.Growing Your Network—The Right WayWorried that you don’t know enough wealthy people? That’s another myth. Most of Willie Oyola’s lenders were referrals, friends of friends, or people he met by getting involved in local organizations like BNI or community business groups. The secret is to “go where the money is”—becoming active in your community and expanding your circle, while leading with curiosity and service.When asked how he starts conversations about private lending, Willie Oyola keeps it simple and intriguing: “I teach people how to get high rates of return safely and securely.” The goal isn’t to sell, but to spark curiosity and plant seeds for future partnerships.Securing the Future—for EveryonePrivate money is not just about funding your deals—it’s about creating lasting relationships where everyone benefits. As Willie Oyola says, “Banks don’t own real estate; they loan on it. Now you—and your lenders—can do the same.”If you’re ready to move past the limiting belief that you “don’t have the money” for your next deal, maybe it’s time to shift your mindset, master the art of sharing opportunity, and unlock the power of private money. The next conversation you start could change your business—and someone else’s financial future—for good.10 Discussion Questions from this EpisodeWhat are the main differences between hard money and private money lending, as explained by Willie Oyola in this episode?According to Willie Oyola, why is mindset considered the biggest factor in successfully raising private money?How does Willie Oyola recommend positioning conversations about private money, and why is separating the "deal" from the "opportunity" important?What strategies did Willie Oyola use to expand his network and find private lenders beyond his immediate circle?How does Willie Oyola address the concern of not knowing wealthy people or having a large network when starting to raise private money?What are some key points Willie Oyola makes about protecting private lenders’ investments, and how does he structure deals to provide security?In what ways does private money lending compare to traditional banking from the perspective of lender protection and return, as discussed in the episode?How did Willie Oyola’s real estate investing journey begin, and what role did private money play in scaling his business?What are the advantages of using a self-directed IRA for private lending, and how did Willie Oyola educate his lenders about this strategy?What advice does Willie Oyola give for starting conversations about private money without seeming like you are "chasing" or "begging" for funds?Fun facts that were revealed in the episode: Not All Private Lenders Drive Flashy Cars: One of Willie Oyola's most successful private lenders surprised him by arriving in a rickety pickup truck. Despite appearances, this individual had significant funds to invest, proving that wealth doesn’t always come dressed up.Ordinary People Make Extraordinary Lenders: The episode reveals that most private lenders come from everyday backgrounds—many are not wealthy elites but regular folks with so-called "lazy money" sitting idle in savings or retirement accounts.You Set the Rules, Not the Lender: Contrary to popular belief, private real estate investors like Willie Oyola set their own lending terms—including interest rates and payment schedules—rather than having lenders dictate the rules, which is the opposite of traditional loan arrangements.Timestamps:00:00 Raising millions in private money06:29 Importance of mindset shift09:51 Private lending misconception debunked13:07 Networking and building connections14:48 Starting Conversations at Networking Events18:59 Real estate investment security22:47 Investing with a self-directed IRA25:07 Discussing private lender strategies27:20 Connect with Willie Oyola https://www.instagram.com/willieoyola/30:05 Sharing the podcast and subscribing Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners #Foreclosures #FlippingHouses #PrivateMoney #RaisingPrivateMoney<a href='https://twi...

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From Banks to Private Capital: Jay Conner’s Journey and Tips for Real Estate Growth

4w ago00:35:33Tap to summarize

***Guest AppearanceCredits to:https://www.youtube.com/@calebdavid807 “Why You’ll Always Be Broke Using Bank Financing”https://www.youtube.com/watch?v=PWdvSFwBrC8 If you’ve ever found yourself excited about a promising real estate deal, only to hit a brick wall when it comes to funding, you’re not alone. On this episode of the Raising Private Money Podcast, Caleb David sits down with renowned real estate investor and Private Money Authority Jay Conner to demystify the world of private lending and share actionable strategies for investors who want to break free from traditional financing limits.The Breaking Point: Why Private Money?For many, the journey into private money doesn’t begin with curiosity—it starts with necessity. Jay Conner recounts his own tipping point, when his trusted bank suddenly closed his line of credit without warning. Six years into his investing career and faced with two lucrative deals under contract, he found himself out of options. This experience—a byproduct of the 2009 global financial crisis—forced him to ask, “Who do I know who can fix this problem?” That pivotal question eventually led him to private money, changing the course of his career forever.What’s the Difference? Hard Money vs. Private MoneyA lot of confusion swirls around the terms “hard money” and “private money.” As Jay Conner carefully explains, hard money is institutional and often brokered through intermediaries who pool funds from multiple investors. In contrast, private money is a direct, one-on-one relationship with an individual lender—often someone within your own network- funding deals either with their investment capital or retirement funds. The absence of middlemen also means no origination fees and more flexibility—key advantages for investors seeking speed and creative deal structures.The Power of Mindset and EducationSecuring private capital isn’t about pitching desperate, high-pressure deals. In fact, Jay Conner stresses that desperation has a “smell”—and people run from it. Instead, the secret is to educate, not sell. By putting on the “teacher hat” and holding informational sessions (over coffee, luncheons, or networking events), Jay positions himself as a resource. His primary goal? To leave every potential lender more knowledgeable than when the conversation started. When people understand the opportunity—earning 8% interest, secured by real estate, with more flexibility than traditional products—they often ask to get involved.Structuring Private Money for Different DealsPrivate money isn’t limited to single-family flips. As Jay Conner describes, it serves any asset class—commercial, self-storage, land, and more. The structuring changes: for single-family homes, it’s usually a simple deed of trust or mortgage; for larger commercial projects, you may need to set up a fund with a formal Private Placement Memorandum, subject to SEC regulation.Where Do You Find Private Lenders?Jay Conner breaks down sourcing private lenders into three categories:Existing Connections: Friends, family, colleagues—anyone already in your professional or personal circle. These are often the easiest to approach.Expanded Network: Organizations like Business Networking International (BNI) offer a powerful way to quickly gain warm introductions to new connections and their networks.Existing Private Lenders: These are individuals already loaning money on deals. You’ll find them through self-directed IRA custodians or public records, but be prepared—they usually expect higher rates, knowing the business well.How Do You Start the Conversation?Bringing up private lending can feel awkward if done poorly. Jay suggests two main methods:Direct Approach: For those you know and trust, simply ask if they have idle investment capital or retirement funds earning low returns.Indirect Approach: Use “I need your help”—ask if they know anyone unhappy with the bank or stock market, then explain your opportunity. Frequently, the person you ask realizes they themselves are a candidate, as in Jay’s story about his friend Wayne.The Good News Phone CallOnce a potential lender is educated and interested, Jay never pitches a deal in a desperate moment. Instead, when a matching opportunity arises, he simply calls to share the good news: “I can now put your money to work for you on a specific property, closing next week.” The groundwork has already been laid, making the transition seamless and professional.Conclusion: Scaling and FreedomPrivate money unlocks the door to scale. Traditional financing is finite, but private capital has no hard limits—enabling investors to grow portfolios at their desired pace. Approached with education, service, and the right structures, it’s a win-win for both investor and lender.Ready to expand your funding sources and scale your real estate business? Start by educating yourself and your network—the opportunities are closer than you think. And if you want to dig even deeper, check out Jay Conner’s podcast and resources for scripts and methods that can jumpstart your journey into private money.10 Discussion Questions from this EpisodeWhat are the main differences between private money and hard money, as explained by Jay Conner?How did the global financial crisis impact Jay Conner’s approach to real estate investing and lead him toward using private money?Why does Jay Conner emphasize the importance of a “teacher hat” mindset when approaching potential private lenders?How does Jay Conner structure deals with private lenders to ensure their security, especially in comparison to traditional banks?What are the three main categories where Jay Conner suggests finding private lenders, and which strategies did he find most effective?Why does Jay Conner advocate for never pitching a deal out of desperation and for separating the opportunity from the deal itself?What are the “direct” and “indirect” methods of approaching potential private lenders, and how do they differ in practice according to Jay Conner?According to Jay Conner, in what scenarios is private money the optimal funding source for real estate deals?How does private money allow an investor to scale their business in ways that traditional bank loans do not, as discussed by Jay Conner?What is the significance of self-directed IRA companies in the world of private lending, and how can investors leverage them to fund their deals?Fun facts that were revealed in the episode: No More Missed DealsJay Conner hasn’t missed out on a real estate deal due to a lack of funding since 2009, after transitioning from traditional bank financing to using private money.Private Money—Not Hard MoneyMany people confuse “hard money” with “private money,” but as explained by Jay Conner, hard money typically involves a broker or institutional fund, while private money is a direct transaction between a real estate investor and an individual lender, with no middleman or origination fees.Teaching, Not PitchingJay Conner built a network of 47 private lenders without ever pitching a single deal—instead, he focused on educating people about private lending opportunities, often organizing luncheons to provide value and knowledge first.Timestamps:00:00 Passion for private real estate funding03:31 Understanding hard money vs. private money07:34 Discovering private money options09:20 Raising funds with a mindset13:44 Securing funds for real estate deals16:21 Creative financing and private money20:13 Joining a BNI chapter24:22 Introducing self-directed IRAs28:06 Asking for investment referrals30:03 Getting investors on board34:07 Curiosity Opener and gifts Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate i

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Real Estate Investing Made Easy: Jay Conner’s Guide to Private Money Success

4w ago00:36:22Tap to summarize

***Guest AppearanceCredits to:https://www.youtube.com/@PillarsofPurposePodcast “How to Fund Real Estate Deals Without Banks (Private Money Strategy Explained) | Jay Conner”https://www.youtube.com/watch?v=5P_vOE3y3Qo&t=124s If you’ve ever aspired to be a real estate investor but felt held back by a lack of capital, you aren’t alone. The notion that you need piles of cash or impeccable credit to get started in real estate is one of the biggest misconceptions. In a recent episode of the Raising Private Money podcast, Matthew Efird sat down with The Private Money Authority, Jay Conner, to share the transformative power of private money in launching and scaling your real estate business—no matter where you’re starting from.A Turning Point Born from CrisisJay Conner began his investing journey in 2003, focusing on single-family homes in North Carolina. For years, he relied on traditional funding—bank lines of credit and mortgage loans. That comfortable routine was shattered in 2009 by the global financial crisis. In an instant, his bank closed his credit line, and Jay was left with two houses under contract—but no funding to close the deals.Rather than admit defeat, he asked himself a pivotal question: “Who do you know that can help solve your problem?” This led him to learn about the concept of private money—individuals investing their own capital, often from self-directed IRAs, into real estate deals in exchange for a fixed, attractive return. Within 90 days, Jay raised over $2.1 million in private funds and has never missed out on a deal for lack of funding since.The Private Money MindsetWhat sets Jay Conner apart isn’t just technical expertise—it’s his mindset. Instead of “chasing” money, he positions himself as a teacher, educating friends, acquaintances, and community members on how they can earn high, safe returns backed by real estate. It’s not about selling or persuading; it’s about offering value and fostering trust. Many of his private lenders had never even heard of these opportunities until he introduced them.He hosts “private lender luncheons,” employs educational scripts, and stresses getting money lined up before finding deals—contrary to the advice often peddled by so-called gurus, who claim “money finds good deals.” For Jay, wisdom dictates that you become a steward of both your own and others’ resources.Protecting Your Lenders & Mitigating RiskSkepticism is natural, especially for those who lived through the 2008-2009 crash. Matthew Efird raises the objection many have: Isn’t it risky to invest retirement money in real estate? Jay addresses this with solid risk-mitigation practices. He never borrows more than 75% of the after-repair value, giving lenders a 25% equity cushion. All loans are secured by the property, and lenders are listed on insurance and title policies—just like a bank. This approach gives private lenders strong security for their investment.Building Your Dream Team & SystemsReal estate is not a solo endeavor. Jay underscores the necessity of a “dream team,” including a real estate attorney (for document prep and closings), a reliable realtor (for ARV estimates and listings), trusted general contractors, and even an acquisition specialist. Structured systems and software are critical for tracking leads, notes, and deal stages—a lesson he learned after losing “hundreds of thousands” running things on notepads and sticky notes.Advice for Beginners: Mentorship and PracticeFor those starting as a side hustle or worried about making costly mistakes, Jay’s foremost advice is to get a mentor or coach—someone who has already navigated the inevitable landmines. Education and practice are key; he advises role-playing seller conversations (even with out-of-state sellers on Zillow) before ever spending money on marketing.Next Steps and Free ResourcesTo build a foundation in private money and real estate investing, Jay Conner offers free scripts, access to his live events, and even his bestselling book. Whether you want to scale to a full-fledged business or just add smart investments to your portfolio, his systems provide a blueprint for success.Ready to start your journey? Leverage the education, resources, and mindset shared by Jay Conner, and you could open doors to opportunities you never thought possible—no matter your starting point.10 Discussion Questions from this EpisodeWhat key differences did Jay Conner highlight between private money and hard money for real estate investing?How did Jay Conner's experience with having his bank line of credit closed in 2009 change his business strategy?According to Jay Conner, why is it important to "own the real estate between your ears" before seeking real estate deals?What steps does Jay Conner recommend for someone looking to raise private money for their first real estate deal?How does Jay Conner protect private lenders and mitigate their risk in a real estate transaction?What are the essential members of Jay Conner's “dream team” for real estate investing, and what roles do they play?What advice did Jay Conner give to those starting in real estate as a side hustle regarding mentorship and practice?How does Jay Conner structure his deals so that private lenders are paid consistently, even during renovation periods?What marketing strategies does Jay Conner use to find off-market property deals, and why does he avoid listed properties?What resources and opportunities did Jay Conner offer to listeners for further learning and community involvement in real estate investing?Fun facts that were revealed in the episode: Jay Conner Hasn’t Missed a Deal Due to a lack of Funding Since 2009After discovering private money in early 2009, Jay Conner revealed he had never missed out on a real estate investment deal because of funding issues, marking a transformative moment in his career.Jay Raised Over $2 million in Private Money in 90 Days.Incredibly, Jay Conner raised $2,150,000 in private money within just 90 days of attending his first real estate investing conference, as he recounted at.The No-Pitch “Good News Phone Call”Instead of pitching or chasing money, Jay Conner uses his signature “Good News Phone Call,” where he simply informs his lenders he’s ready to put their money to work, eliminating selling or persuading from the process.Timestamps:00:00 Introducing Jay and his expertise05:19 Reflecting on a phone call07:18 Discovering private money options13:09 Explaining the investment process14:59 Discussing a real estate investment deal18:02 Understanding hard money vs. private money22:50 Advice for starting side hustles26:08 Building a real estate network29:23 Managing seller leads with software31:12 How private money deals work34:40 Mastermind group introduction36:50 Getting the book for free Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners #Foreclosures #FlippingHouses #PrivateMoney #RaisingPrivateMoney

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The Power of Private Money: Why Real Estate Deals Don’t Need Bank Approval

Jun 400:48:30Tap to summarize

***Guest AppearanceCredits to:https://www.youtube.com/@MatthewMaSF “Most Deals Die Before the Bank Says No”https://www.youtube.com/watch?v=DqHIUbQyETQ In today’s shifting real estate landscape, the difference between closing a deal and watching it slip away often comes down to one crucial factor: access to funding. While traditional bank loans have long been the norm, they can be restrictive, slow, and fraught with unexpected roadblocks—something Jay Conner knows all too well.The Wake-Up Call: When Banks Say NoBack in January 2009, after years of relying on banks for investment funding, Jay Conner faced a challenge familiar to many investors. Despite maintaining a solid relationship with his local bank, Jay Conner received an unexpected call: his line of credit was shut down overnight due to a global financial crisis. Without warning, two pending deals were suddenly at risk. That moment proved to be a turning point: "Who do I know that can help fix my problem?" Jay Conner asked himself, shifting his attention from conventional lenders to alternative methods.Discovering Private MoneyThrough a referral, Jay Conner learned about "private money"—funds provided by individuals rather than institutions. Private lenders are often regular people: retired teachers, police officers, family friends, or even minor heirs. This approach opened a door to consistent funding without the headaches and uncertainty of bank financing.Private money is fundamentally different from hard money or bank loans:Hard Money: Typically comes from institutional funds or brokers, carries high fees and interest, plus origination points.Private Money: A direct relationship between borrower and lender; no brokers, fewer fees, more flexibility, and friendlier terms.As Jay Conner explains, Private lenders are ordinary people. Unlike banks, these lenders are not swayed by credit score or the investor’s experience but by the security and fairness of the loan’s structure.The Private Money AdvantageThere are three main categories for finding private lenders:Warm Connections: Existing relationships—family, friends, colleagues, or community contacts.Expanded Network: New connections made via business networking organizations.Experienced Lenders: Individuals already making private loans, often met through self-directed IRA company events.With private money, terms are straightforward and uniform: Jay Conner pays 8% annual interest, with loan notes of 2 to 5 years depending on the funds' source. Unlike typical banks, there are no origination or prepayment penalties, and the process allows for creative structuring—such as splitting loans among multiple private lenders, each with clear positions of risk and return. Every private lender receives collateral in the form of a mortgage or deed of trust, including insurance policies, and is protected by conservative loan-to-value guidelines.Why Agents Need to Know About Private MoneyMany deals collapse after banks back out late in the game. Jay Conner urges agents and investors to line up private money in advance rather than as a last-minute fix. Agents who want to stand out must understand these alternative funding tools and incorporate them into their practice. It’s not just about saving the deal—it’s about providing value and education to their clients.Jay Conner recommends that agents equip themselves and their clients by sharing his book, "Where to Get the Money Now," which covers strategies and even includes scripts for talking to potential private lenders.Protection Against ScamsBeware of online scams promising too-good-to-be-true rates or requesting upfront fees. Legitimate private lending is always secured, with funds transferred directly to the closing attorney or escrow agent and with public documentation.Moving ForwardThe best real estate professionals are those who adapt, learn, and offer creative solutions. Whether you’re an agent supporting your clients or an investor looking for your next opportunity, private money could be the key that unlocks your financial freedom—even and especially when the bank says no.Explore more about private money, grab Jay’s book, or connect at his next Private Money Conference. Empower your next deal and never let funding hold you back from success.10 Discussion Questions from this EpisodeWhat are the key differences between private money, hard money, and traditional bank loans, as explained by Jay Conner?How did Jay Conner’s experience during the 2009 financial crisis reshape his approach to real estate funding?According to Jay Conner, what are the three main sources for finding private lenders, and how can new investors access them?Why does Jay Conner recommend not negotiating the terms with each private lender individually, and how does he standardize offers?What strategies does Jay Conner suggest for real estate agents to educate their clients about funding alternatives when the bank says no?How does collateralization work in private money lending, and what protections are offered to the lender?What are some risks or scams associated with private money lending, and what red flags should investors watch out for?In what ways does using private money allow for faster real estate transactions compared to traditional bank financing?How can new real estate investors leverage the credibility and experience of a mentor like Jay Conner when seeking private funds for the first time?Why does Jay Conner believe it’s important for all private lenders to receive the same interest rate, and how does this approach impact his business relationships?Fun facts that were revealed in the episode: Private Money Lenders Can Be AnyoneJay Conner shared that his private lenders include a diverse group of people—retired school teachers, police officers, civil service workers, and even minor children who inherited money from their grandparents, proving that private lenders aren’t just big institutions but everyday individuals.Speedy Closings with Private MoneySwitching to private money allowed Jay Conner to close on properties in as little as seven days—much faster than the 30–45 days typically needed with traditional banks. This quick turnaround gives investors a significant edge in competitive markets.No Credit Score RequiredA major advantage highlighted in the episode is that private money loans are collateral-based, meaning Jay Conner doesn’t require credit checks. This opens up opportunities for new or non-traditional borrowers, in contrast to the stringent requirements of most banks. Timestamps:00:00 Talking about private money strategy04:51 Discovering private money options09:00 Tapping into your warm market09:38 Finding private lenders quickly13:28 Approaching private lenders casually16:16 Protecting private lender investments21:02 Private lender incentives explained23:45 Promoting a book on private money27:10 Understanding short-term private lending31:56 Real estate investment basics33:59 Quick property purchase process36:49 Consistent lender interest rates39:41 Discussing repayment terms with investors43:37 Warning about private lender scams45:14 Explaining private money lending basics Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy

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The Power of Education and Service in Private Money Investing

Jun 100:18:27Tap to summarize

Attracting private money is critical for real estate investors, yet the process can seem intimidating, especially for those just getting started. In a recent episode of "Raising Private Money," Jay Conner, together with several mastermind members, shared powerful insights and practical strategies that demystify the process and highlight the true keys to success.Focus on Service, Not ConvincingA common stumbling block for new investors is the idea that you need to convince private lenders to invest. Crystal immediately reframed this notion, emphasizing that the goal isn’t to chase or persuade anyone. Instead, she explained that building relationships through education and serving is the heart of attracting private money. When you stop chasing and start focusing on teaching others about the opportunity and protecting their interests, you naturally become someone lenders trust—and want—to work with.You Don’t Need Years of ExperienceLack of experience is one of the main worries for new investors. Chaffee addressed this by explaining that even those who haven’t closed a single deal can successfully attract lenders. The secret lies in using a proven system—like Jay Conner’s—that offers structure, safety, and clarity for both parties. By plugging into experienced mentorship, utilizing transparent systems, and leaning on the credibility of mentors and team members, even a brand-new investor can present themselves with confidence. This collaborative approach allows lenders to feel secure, knowing there is a knowledgeable team supporting each deal.Private Lenders vs. Bank FinancingThe panel also touched on the difference between relying on banks and developing relationships with private lenders. Scott pointed out that banks can pull their approvals unexpectedly, derailing deals and business growth. Private lenders, on the other hand, offer flexibility and speed, especially crucial in a competitive or tightening market. The panel stressed that nurturing a small group of reliable lenders is the true "secret sauce," offering investors security and a powerful edge.Real-World Prospecting TacticsOne of the mastermind members, Jeff, shared real-world tactics he’s used to find and attract private lenders. He started by reaching out to known private lenders via email and letter, proactively introducing himself to people at church, joining local investment and Christian organizations, and speaking at community events. His approach centered on teaching people how private lending works and demonstrating how it could benefit them, rather than just pitching for money.Chaffee expanded on this, emphasizing the importance of being visible and broadening your network. He recommended joining networking groups like Rotary Club, Business Network International, or local business organizations to meet and serve more people. Getting involved and being genuinely helpful establishes credibility and attracts referrals naturally.Build Relationships with Community InfluencersThe panel recommended going a step beyond general networking and building connections with key influencers in your community. Scheduling coffee or lunch with attorneys, CPAs, or local government officials—not to sell, but to learn about their work and share yours—positions you as a connector and resource. As you develop these relationships, your reputation grows, and people begin to talk about you and recommend you to others. That’s when you shift from seeking lenders to attracting them.Make Consistent and Persistent Action Your HabitJay Conner rounded out the discussion by emphasizing the core takeaway: consistency and persistence. It’s not enough to take sporadic action—you need to show up, network, educate, and provide value on an ongoing basis. Make a clear, intentional plan for what activities you’ll do every week to grow your list of private lenders and follow through, no matter the immediate result. Success in this business comes from persistent effort and building a reputation as a knowledgeable, helpful leader.In SummaryRaising private money isn’t about slick sales tactics or years of experience. It’s about consistent relationship-building, education, and serving others. Focus on becoming an expert resource, connect with your community, and take small, persistent actions every week. Over time, your efforts compound, and the right private lenders will seek you out—helping you skyrocket your real estate investing success.10 Discussion Questions from this EpisodeWhat are some actionable steps you can take consistently and persistently to attract private money, as emphasized by Jay Conner?According to Crystal and Chaffee, what are the key differences between syndication and using separate notes for each private lender on a deal?How do you determine the ideal number of private lenders to involve in a single project, and what are the potential drawbacks of including too many, based on the conversation between Crystal and Chaffee?Why do Crystal and Chaffee stress the importance of serving and educating potential private money lenders instead of "convincing" them?What role does having a proven system or process play in attracting private lenders, even for new investors, according to Chaffee?How can leveraging bank money (e.g., through HELOCs) be used to make money in real estate, and what cautions did the speakers, especially Chaffee, suggest?Jay Conner and Crystal discuss the importance of asking the right questions when raising private money. How can shifting your focus from “finding” to “attracting” private lenders impact your results?Why is setting up a trust account not essential for attracting private lenders, as explained by Jay Conner?What networking strategies did Jeff share to expand his pool of potential private lenders, and what additional suggestions were given by Chaffee?According to the episode, how important are consistency and persistence in the process of raising private money, and what practical activities did Jay Conner and others recommend to support these qualities? Fun facts that were revealed in the episode: Single vs. Multiple LendersHaving multiple private lenders on a single real estate project isn’t as complicated as many think. Each lender can have their own separate note and deed of trust or mortgage, listed in priority order (first, second, third position, etc.), and there’s actually no legal limit to the number of private lenders you can have on a project—though working with fewer is often easier and more cost-effective.No Convincing RequiredA key philosophy shared is not to "convince" anyone to lend you private money. Instead, the approach is about educating, serving, and presenting opportunities—so lenders come to their own conclusions without any pressure.Consistency is KingConsistently and persistently taking action is highlighted as the secret sauce to attracting private money. Whether it's networking, educating potential lenders, or building relationships with community influencers, the most important question to ask is, "What am I doing consistently and persistently to attract private money?" Timestamps:00:00 Managing investor contributions04:44 How Jay's system works08:58 Using private lenders for success11:21 Finding and attracting private lenders16:29 Importance of networking skills17:19 Building relationships for referrals Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners #Foreclosures #FlippingHouses #PrivateMoney #RaisingPrivateMoney #JayConnerYouTube Channelhttps://www.youtube.com/c/RealEstateInvest...

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Overcoming Limiting Beliefs: Dan Can’s Journey to Raising Millions in Private Money

May 2800:41:35Tap to summarize

For real estate investors, one of the most significant hurdles is learning how to raise and leverage private money effectively. In the recent episode of "Raising Private Money," Jay Conner sits down with Dan Cantillana, who has implemented Jay’s system to the tune of $13 million raised in private capital. This conversation isn’t just theoretical – it’s practical, proven, and full of actionable steps for anyone hungry to build generational wealth.From Hard Money to Private Capital: Dan’s TransformationDan Cantillana’s real estate journey began much like many others: undertaking a few flips a year, funded primarily through hard money lenders. Despite finding some success, the fees, higher rates, and broker points of traditional hard money lending quickly ate into his profits. Dan knew there had to be a better way. The turning point came after he stumbled across Jay Conner’s podcast—and, subsequently, Jay’s book “Where To Get The Money Now.” With the book in hand, Dan committed himself not just to reading, but to implementation.Mindset and Decisiveness: The Real Secret SauceIf you’re searching for a hidden script or shortcut, Dan’s story might surprise you. He attributes his leap from hesitant investor to powerhouse fund-raiser to a simple but critical first step: deciding with conviction that he was going to succeed. For Dan, it was about fixing his mindset, committing to overcoming any number of rejections, and refusing to let a lack of prior knowledge or confidence stop him. He realized that persistent action—not innate talent—is what separates those who raise millions from those who never start.The Power of Storytelling and Relationship BuildingDan emphasizes that most of his 22 investors came from his existing network—people he already knew or those he connected with through sharing his experiences. Rather than trying to sell or convince, Dan focused on telling authentic stories about the deals he was working on and the value those deals could offer to others. Whether it was a family member, a fellow small business owner, or an acquaintance at the country club, Dan told them what he was doing, what opportunities he saw, and how they could be involved. Regular communication, often via text and social media, kept his investors engaged and eager for more information.He also believes in serving his investors first, being open about his own challenges and history, and framing every conversation as an opportunity to help. Rather than pitching investments, Dan seeks to find out if someone has what he calls “lazy money” – funds sitting idly that could be put to productive use through real estate deals.Actionable Steps for Aspiring Private Money RaisersDan’s approach is refreshingly straightforward and repeatable:Start with a decision to commit.Tell your story authentically—don’t be afraid to share successes and failures.Focus on building relationships. Your first investors will likely be people you already know.Tailor your message to each individual and always include details about the deal’s safety, such as the purchase price compared to market value.Follow up consistently, even if your first attempts don’t garner immediate investment.Pay attention to professionalism; have a second set of eyes review your documents, communications, and numbers before sharing them with potential investors.He also offers tangible tips like holding investor luncheons or sending personalized gifts (a practice he calls “giftology”) to build rapport and stay top-of-mind.Encouragement for New InvestorsDan’s story is one of perseverance, faith, and the transformative power of believing you can create a different future for yourself and those around you. Growing up with humble beginnings, he defied the odds to create not only a successful business but also a platform to help others. His journey illustrates that anyone, regardless of background, can learn to raise private money and build generational wealth if they start with the right mindset, take daily action, and focus on authentic relationship-building.Real estate isn’t just about buying and selling houses; it’s about solving problems and helping others achieve financial freedom. Take inspiration from Dan Cantillana—read, learn, and then execute. Your journey towards raising millions in private capital can start today.10 Discussion Questions from this EpisodeDan Can emphasizes the importance of "just deciding" to take action when raising private money. What strategies can help turn a decision into consistent action in your own business? Mindset plays a major role in Dan Can's journey. How has your mindset either propelled or limited your progress in real estate investing?Dan Can shares that openly talking about what he’s doing led to new investment partners. How can you become more effective at sharing your own stories to attract interest? How did Dan Can's background and upbringing shape his approach to entrepreneurship and investing? What can you learn from his experience? What are the most common fears you face when raising private money, and how can you overcome them as Dan Can did? Dan Can discusses the value of building and communicating a personal brand. What steps can you take to make your brand more memorable? The idea of “giftology” and building relationships through thoughtful gestures is a recurring theme. How do personal touches like gifts or handwritten notes influence business relationships?Dan Can advises starting with your sphere of influence. Who in your network might be a potential private money partner, and how would you approach them? Mistakes in documentation and professionalism were highlighted as early hurdles. What systems can you set up to avoid these pitfalls? Dan Can believes that “you already know enough people to help you succeed.” Discuss ways to better leverage your existing relationships for collaborative success in real estate. Fun facts that were revealed in the episode: Beauty Bark Led to Millions: Dan Can first discovered Jay Conner's system for raising private money while doing yard work—specifically, spreading beauty bark. Listening to hours of the podcast during this chore inspired him to read the book and ultimately raise $13 million in private money.Sports Gifts as Relationship Builders: Dan Can leverages creative gifting as part of his private money-raising strategy. He gives personalized sports memorabilia, like coasters depicting famous plays from investors' favorite teams, to foster goodwill and stay top-of-mind with investors.Family Connections Spark Deals: A serendipitous conversation between Dan Can's 17-year-old son and a golf partner at their country club led directly to a lucrative off-market property deal, showcasing that talking about your business in everyday life (and involving your family!) can open unexpected doors.Timestamps:00:00 Register for private money conference05:37 Paying broker fees and hard money06:29 Discovering Jay Conner's podcast10:40 Investing in discounted properties14:10 Helping a church sell property17:33 Finding and diagnosing 'lazy money.'20:25 Organizing a business luncheon24:11 Raising private money strategies27:28 Building trust with wholesalers31:09 Sending memorable gifts to investors33:38 Importance of proofreading documents38:37 Finding purpose through faith40:19 Building a personal brand Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvesting<a href='https://twitter.com/hashtag/Re</truncato-ar...

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How to Protect Yourself With Asset-Backed Debt and Win at Real Estate Networking

May 2500:36:44Tap to summarize

In the ever-evolving world of real estate investing, understanding the nuances of private money lending can make the difference between success and costly mistakes. In a recent episode of Raising Private Money, Jay Conner, together with his Mastermind members, unpacked core principles and practical strategies for leveraging private capital, staying compliant, and scaling investment projects.Asset-Backed Debt: Your Shield Against Regulatory HeadachesA foundational concept for private lenders is asset-backed debt. Crystal Baker clarified what this means: every deal is collateralized against a specific property, giving each private lender a direct secured interest in physical real estate. This method distinctly separates private lending from unsecured debt, which typically draws the attention of the SEC. By structuring all deals as asset-backed, investors effectively avoid complex SEC rules, such as requirements for multiple “touches” or long-standing relationships with lenders.Chaffee-Thanh Nguyen added that it’s possible to have multiple private lenders on a single property, provided each maintains a clear lien position—as banks do with first and second mortgages. Because there’s no commingling of funds, and each note is secured and discrete, these arrangements remain outside stringent SEC regulations.Mastering Loan-to-Value and Protecting Your LendersCrystal Baker also emphasized the importance of total loan-to-value (LTV). When evaluating a potential deal, investors must calculate the LTV based on the after-repaired value of the property, never collateralizing more than 75%. For example, on a property worth $200,000 after repairs, combined private loans should never exceed $150,000. This creates an essential equity cushion, significantly reducing risk for both the lender and investor, and ensuring everyone’s interests remain protected.The Importance of Proper Due DiligenceBoth Chaffee-Thanh Nguyen and Jay Conner underscored the critical role of title searches when bidding on foreclosed properties. Relying solely on the surface value of a property can backfire if hidden liens or outstanding mortgages are discovered after the purchase. Jay shared a real-life example of an investor who purchased a property at a seemingly bargain price, only to receive a foreclosure notice linked to a preexisting $100,000 mortgage. The lesson is clear: never skip a thorough title search before closing any foreclosure deal.Unique Advantages of Private LendingJeffrey Jackson illuminated a key advantage for investors using private money—they can “get paid to buy houses.” By structuring the transaction so rehab and acquisition costs are funded upfront through closing, investors often receive surplus funds to finance renovations without out-of-pocket spending or laborious construction draws. Unlike institutional loans, private capital typically doesn’t scrutinize credit scores or require personal guarantees. As Crystal Baker noted, the security and trust come from the collateral itself and strong equity positions, not the borrower’s creditworthiness.The Power of Networking to Serve, Not Just ProfitNetworking remains one of the most powerful growth strategies for real estate investors. Chaffee-Thanh Nguyen encouraged attendees to shift their networking mindset from “what can I get” to “how can I serve.” Real relationships form when investors focus on helping others—whether by sharing knowledge, making connections, or supporting new members in professional groups. Crystal Baker echoed this approach, crediting networking for her business’s success and growth. The panel agreed that volunteering, welcoming newcomers, and focusing on connection over transactions create the relationships and trust needed to thrive.Compliance and Best PracticesTo safeguard everyone involved, transactions should always route funds directly from private lenders to closing agents or attorneys—never to individual investors. This protects both parties and keeps everything above board. Crystal reassured investors that private lenders can reside in any state; the only legal requirement is that the deal is properly handled by an attorney in the property’s state.Final ThoughtsThrough clear strategies and adherence to best practices, private money lending opens doors to financial freedom in real estate. By focusing on asset-backed security, maintaining healthy loan-to-value ratios, conducting precise due diligence, and always leading with service, investors can build robust, mutually beneficial networks and scale their businesses for long-term success.10 Discussion Questions from this EpisodeWhat are the key differences between asset-backed debt and unsecured debt, and why does asset-backed debt keep the SEC away, according to Crystal?How does having multiple private lenders on a single property work without violating SEC regulations, as discussed by Jay Conner and others?Crystal explains the concept of "total loan to value." How does this concept protect both the investor and the private lender, and what is the recommended threshold?Why is it crucial to perform a title search before bidding on a foreclosure property, and what real-life consequences can occur if you skip this step?In what ways can real estate investors "get paid to buy houses," and how does private funding enable this strategy?What are the benefits of using private money for rehabs compared to institutional or hard money, especially regarding construction draws and credit checks?Why do private lenders typically not require personal guarantees or credit checks, and what protections do they have instead?Who is "Murphy" in the context of real estate investing, and what are some concrete strategies Crystal recommends for preparing for unexpected setbacks?The concept of "networking to serve" is emphasized throughout the episode. How does this approach differ from conventional networking, and what advantages does it bring to raising private money?What are the pitfalls of relying on national foreclosure reporting services for lead generation, and what alternative methods does Crystal recommend for obtaining up-to-date and exclusive foreclosure data?Fun facts that were revealed in the episode: No Credit Checks Needed: Crystal shared that when working with private lenders, there’s typically no need to run credit checks on borrowers. Private lenders rely on the property's collateral and the built-in equity cushion to secure their investment, making credit scores mostly irrelevant.You Can Have Multiple Private Lenders on One Property: The episode explained that, similar to how a house can have both a first and second mortgage with different banks, you can structure deals with more than one private lender per property—as long as all liens combined stay within the recommended 75% loan-to-value threshold.Networking to Serve, Not Sell: Jay Conner and Crystal emphasized that successful investors should network with the mindset of serving others rather than just handing out business cards or pitching deals. Approaching events with curiosity and a desire to help builds more meaningful and productive relationships.Timestamps:00:00 Using multiple private lenders05:43 Understanding the loan-to-value ratio07:31 Pitfalls of bidding at auctions12:33 Navigating the property closing process14:45 Understanding collateral and equity cushion16:36 Explaining personal guarantees basics21:41 Networking with a servant's heart24:26 Importance of networking skills26:54 Embracing the Connector Mindset32:39 Setting up a protected lending system34:41 New private lending regulations Connect With Jay Conner: Private Money Academy Conference: https://www.ThePrivateMoneyConference.com Free Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay’s new book, Where to Get the Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $86,000 per deal.#RealEstate #RealEstateInvest...

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Raising Private Money with Jay Conner

All episodes

From Desperation to Confidence: Mastering Private Real Estate Funding With Jay Conner

Jay Conner on Private Money: Funding Deals and Gaining Financial Control

Overcoming Obstacles in Real Estate by Mastering Private Money with Jay Conner

Mindset and Strategy: Willie Oyola’s Path to $3 Million in Private Real Estate Funding

From Banks to Private Capital: Jay Conner’s Journey and Tips for Real Estate Growth

Real Estate Investing Made Easy: Jay Conner’s Guide to Private Money Success

The Power of Private Money: Why Real Estate Deals Don’t Need Bank Approval

The Power of Education and Service in Private Money Investing

Overcoming Limiting Beliefs: Dan Can’s Journey to Raising Millions in Private Money

How to Protect Yourself With Asset-Backed Debt and Win at Real Estate Networking