Sam I Am
@SamIAmtheREMan
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Cost Basis is 👑 | You can’t get hurt by making that phone call | Buyer | Lender | Add Value! | Negotiate | ABC A - Always B - Be C - Compounding
New York City
Joined November 2013
Most investors don’t know what actually secures their money. Mine do. A hard asset. Under 0.65c lent for every $1.00 of value. That’s not optimism. That’s math.
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One late arrival costs you credibility. One broken promise costs you the relationship. One unfinished deal costs you the next investor. One missing thank you costs you the referral. Four habits. Don’t take them lightly.
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Hard money lending is a relationship game. Show up late — they remember. Break your word — they talk. Leave a project unfinished — they pass. Say thank you — they call you with the next deal. Four habits separate the funded from the forgotten. 💵🏗️
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The best real estate operators I’ve watched aren’t the smartest in the room. They’re the ones who call when they say they will. Show up when they commit. And never leave a deal half finished. Habits build portfolios. 🏢📈
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“I’ll get it done.” Three words that mean nothing if your actions don’t follow. Do what you say, every single time. Your reputation depends on it. 🤝
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The way us lenders look at a strong client, with good collateral that needs to close within a week.
Find someone who looks at you the way Bill Clinton looks at photos of his time with Jeffrey Epstein.
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Being on time isn’t just punctuality — it’s a silent message that says “I respect you.” The most successful people I know are never late. ⏰
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I'm not a bank. Banks lend 75% and hope nothing goes wrong. I lend sub 65% and structure the deal so nothing has to go wrong. 10 years. Still undefeated.
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No one talks time in real estate. It feels like yesterday that we syndicated and originated our first loan. It was 11 years ago! Much has been learned in that time. Blink, and a decade disappears.
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When used correctly, AI is real.
Chris Camillo explains the path to $500,000 per year through implementing AI agents to automate sales👀 “In 24 hours, you can set up an AI agent that will answer calls, send out immediate automated text responses, and get them a quote bid in next to real-time. You might increase
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Tell me you are a developer, without telling me that you are a developer.
Woman opened up her bank account to show off her money after being called “broke” in Walmart 🤣💰
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A doctor making $500K/year has a problem most people don't talk about: Her time is worth too much to manage real estate. But leaving capital in a brokerage account at 5% is leaving money behind. Bridge lending solves this. High return. Hard asset backing. Zero time
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Bridge lending in plain English: Borrower needs fast capital. Bank takes 60-90 days. Deal dies. We close in 1-2 weeks. Borrower gets their deal. Investor gets 11-13% fixed, secured by the asset. Speed creates the opportunity. Structure protects the capital.
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My investors are professionals, doctors, engineers, business owners and family offices. People who worked hard for their money and can’t afford to lose it. That’s why I structure every deal with a minimum 35% buffer before they are ever at risk.
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Now couple this with credit worthy borrowers with net worths north of $50MM.
LTV of 65% means if a property is worth $1M, I lend $650K. The asset has to lose 35% of its value before my investor's principal is at risk. That's the cushion. That's the protection. That's why collateral-based lending works.
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LTV of 65% means if a property is worth $1M, I lend $650K. The asset has to lose 35% of its value before my investor's principal is at risk. That's the cushion. That's the protection. That's why collateral-based lending works.
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Most accredited investors park capital in treasuries at 4–5% and call it conservative. But their money is unsecured. No collateral. Just a government promise. Bridge loans: 11–13% fixed, secured by real estate at max 65% LTV, senior position. Conservative looks different
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