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Welcome to the Hard Money Academy

Hello everyone! I’m Chris Jamison with SF Lending, where we’re committed to being your hard money lender for life. SF Lending is an award-winning company offering up to 100% financing for buy-and-hold investors and house flippers. Since 2011, we’ve bought over 400 houses and have originated over $120 million in loans since 2008. We’re here to share some valuable information that can help you no matter what stage you are at in your investing career.

Understanding Hard Money: Hard Money 101

Let’s kick things off with Hard Money 101. If you’re new to the concept, don’t worry. We’ll cover all the basics:

  • Who uses hard money?
  • What is hard money?
  • When to use hard money?
  • Where can you find it?
  • Why would you use it?
  • How do you qualify for hard money in today’s market?

This foundational course will give you a broad overview of everything you need to get started.

Navigating the Hard Money Loan Process: Hard Money 200

In our 200-level courses, we delve into the nitty-gritty of the loan process:

  • Getting pre-qualified
  • Searching for deals
  • Making offers, and how to stand out in a competitive market
  • Loan processing from start to finish
  • Underwriting, closing, and funding your loan
  • Understanding Loan Servicing, the draw process, and repayment

This course will help you navigate each step with confidence.

Advanced Strategies and Tips: Hard Money 300

Things get even more interesting in our 300-level courses. Here, we share tools, tips, and tricks from our extensive experience:

  • The importance of your network
  • Finding property leads, often for free
  • Working with wholesalers and investor-friendly Realtors
  • Knowing your true numbers and exit strategy before you commit
  • Using software and forms to streamline your process

Remember, knowing your real numbers is crucial because your profit is made when you buy, not when you sell. Understanding your exit strategy before you enter a deal is key to success.

Mastering Complex Techniques: Hard Money 400

In the 400-level courses, we dive into advanced strategies:

  • Understanding After Repair Value (ARV)
  • Running comps and bracketing square footage
  • Conducting initial research using tools like Google Maps
  • Navigating the rehab process, either as your own General Contractor (GC) or by hiring outside help
  • Breaking down all associated costs: buying, holding, and selling

We’ll also cover important market cycles and economic factors that influence real estate. From case studies comparing cash, conventional financing, and hard money to rules that triple your growth—we’ve got you covered.

Building Real Wealth with Passive Income

At the end of the day, our ultimate goal is to build real wealth through passive income. This industry offers the potential for ongoing revenue that allows you to enjoy more leisure time and less hands-on work over time. Building these “snowballs” of passive income puts you on the path to financial independence, allowing you to work only if you choose to, not because you have to.


In conclusion, SF Lending is dedicated to equipping investors at every stage with the knowledge and tools necessary to succeed in the world of real estate. From understanding the fundamentals of hard money lending to mastering advanced techniques, our comprehensive courses are designed to provide you with actionable insights and strategies. 

Whether you’re just starting out or looking to refine your approach, our goal is to help you build lasting wealth through smart investments and passive income. Join us at SF Lending and take the first step towards financial independence and a prosperous future in real estate investing.

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