How Private Lenders Earn Double-Digit Returns — Safely and Simply

by Jules Wrubel, Lend Money Make Money

In today’s market, lending has quietly become one of the most reliable paths to financial freedom. While stocks and bonds swing with uncertainty, well-structured real estate loans can deliver predictable, double-digit returns — backed by hard assets and common-sense underwriting.

Private lending isn’t about chasing risk; it’s about replacing volatility with control. When you lend on real estate — especially short-term bridge or rehab loans — you step into the same position banks have held for centuries: the lender’s seat. Instead of hoping for dividends or capital gains, you earn interest, points, and servicing income secured by real property.

Here’s how it works. A borrower needs fast, flexible capital to buy or renovate a property. Traditional banks move too slowly, or the borrower doesn’t fit their strict boxes. You, as the private lender, fill that gap — typically lending at 60–70% of the property’s value. That equity cushion protects your principal. The borrower pays interest monthly or at payoff, and you receive steady, contractually guaranteed returns — often in the 10–14% range.

What makes private lending powerful isn’t just the yield; it’s the structure. Each loan is secured by a recorded deed of trust and promissory note. You can diversify across multiple properties, control your risk exposure, and even use retirement funds through a self-directed IRA — compounding tax-advantaged wealth while helping others complete projects and build communities.

At Lend Money | Make Money, our mission is simple: empower ordinary investors to lend like professionals. We teach due diligence, documentation, and disciplined lending so your money works as hard as you do. Every deal we fund strengthens neighborhoods, rewards transparency, and demonstrates that doing good and doing well can coexist beautifully.

Because in private lending, wealth isn’t won by luck. It’s earned by wisdom — and secured by bricks, mortar, and trust.