Would you like to improve your financial position? Are you happy with your if I invest $100 in bitcoin today 2023 vehicles? There are many to choose from and most are well known but I would like to offer private lending for those investors who care to consider alternatives.Private lending on real estate offers a relatively safe return on your money and the combination of safety and profit makes it the one of the best.

What makes a good if I invest $100 in bitcoin today 2023 for you? You certainly want to know if your money is somewhat safe and if the rate of return will be favorable. While no investment is 100% guaranteed safe, this vehicle is about as close as they come. If anyone guarantees you a totally safe return on an investment head for the door.You want to know how much of your money will be required and what happens if an emergency comes up and you need to get your hands on your investment?

When you invest in the stock market or mutual funds you lose money if the bottom falls out, at least until you can sell. Precious metals right now are a great investment but you are still at the mercy of the market. You can sell and stop the bleeding but like stocks, any choice you make could be the one that loses money. Do you hold on and hope it goes up or sell and take a small loss to avoid the possibility of a larger loss?

As a private lender partner you have more protection and a firm idea of the return. Two legal instruments protect you. The first is a promissory note or a promise to pay, that your borrower signs and agrees to repay by the terms set forth. The other is a paper called a mortgage or trust deed depending on the state you are in.

The Deed of Trust is the document that gives the lender (you) the right to take the property back through the legal process of foreclosure. This form is filed as public record and tells the world that you have an interest in the property and title cannot be transferred without your knowledge and consent.

Banks made a huge mistake by loaning 95-100% of the value of the property, and in many cases, more! These high risk, sub-prime loans caused problems in the economy.

Private lenders don't take those risks because their money is protected by both the lien and high equity (30% or more). You are lending your money based on the equity in the house, a protection you wouldn't have with some other investments.

Some additional safety comes in the form of insurance. Title insurance tells the lender that the title is clear of other encumbrances. As first lien holder you would be paid before others. The borrower pays for this insurance to protect you against any other claims against the property. The title insurance company researches property's history to insure the title is clear and all previous liens have ben cleared.

Conventional lenders always require property protection with hazard insurance in case of fire or other calamity. The investor will do the same for private money partners. With the lender named as the loss payee they are assured of getting their money back if the worst happens. In the event of loss, it is the lender that gets paid first.

How about the return? The question of yield opens the way for a lot of questions that have an effect on return, so let's go over them briefly.Some people may be satisfied with CD rate of return but I believe most people are more interested in taking an active interest in seeing that their investment produces the best, secured return possible.

As the current 5 year CD rate is from 1.98% to 2.96% (source  and not expected to increase notably in the near future and sometimes that requires and extended dollar and time commitment.

If rate of inflation continues to climb as the government prints more and more money which they are doing as of this writing, when the rate of inflation is 6% and you are holding CDs at 3% you're losing money.Can the government turn things around and control inflation? Of course they can. Will they? Who knows? My suggestion is to take charge of your own life so you don't have to be a prisoner to the government's agenda.