This is a YouTube video titled "Maximize Investments: Secure Assets & Boost Your Returns #shorts" containing a discussion between two speakers about investment strategies, specifically focusing on protecting loans with equity or other assets, using liens, and managing risk and returns in lending. The content is from August 2025 and provides insights into financial decision-making and asset security.
And what that does is it sends a subliminal message to all the PMLs that wow, they are doing so much to protect my money. I'm going to give them more. Without him ever saying give me more money. He just shows you through transparency and his team does a good job anyway.
So the biggest thing, what I learned is a lot of times I say no to a lot of deal that when they come to me, there's no equity. So like when there's no equity in my mind there's no protection, there's no equity. How am I going to get out of it if the project fails? So now I can take another approach. If this person come to me, want me to lend money to them, they don't have equity for this project, but it's a really good project. Then I would then ask them what other asset you have? Do you have any other asset that has equity? How I put a lien on your other asset. Instead of putting a lien on this project I'm lending you money for. So if they don't perform, I can still foreclose other assets to get the money back. So they're incentivized to pay back in time. Otherwise there will be additional fees and late fee or additional penalty I can tag on the lending promissory note and all that. So I think that's really cool because I turn away a lot of project because of that. Now that's opportunity for me to take a deeper look. And another great thing about it is when you sometimes land secondary lien secondary position, right? You're not as protected of the first position, but you get to ask higher return because the higher risk involved, that's when the most influential or more educated lender will be able to determine their term. Right? Because there's not that many people will be willing to learn secondary lien position because there's higher risk. And because of that I can ask for higher return.
