How Makai Home Investments Works with Private Money Lenders

Working with a private money lender in San Antonio, Texas, follows a similar process to working with private lenders in other locations.

Here’s Makai Home Investment’s process for working with a Private Money Lender:


1. Research and Find Potential Lenders:

Start by researching private money lenders in San Antonio. You can search online, attend real estate investment meetings, or ask for recommendations from other investors.

2. Evaluate Lender Credentials:

Once you have a list of potential lenders, evaluate their credentials. Look for experience, reputation, interest rates, terms, and flexibility. Check reviews and testimonials if available.

3. Contact and Initiate Communication:

Reach out to the lenders you’re interested in working with. Introduce yourself, explain your investment goals, and inquire about their lending criteria, terms, and rates.

4. Provide Information:

Be prepared to provide detailed information about your project or investment opportunity. This may include property details, your financial situation, credit history, and any other relevant documents.

5. Negotiate Terms:

Once you’ve submitted your proposal, negotiate the terms of the loan. Discuss interest rates, loan duration, fees, and any other terms that are important to you. Make sure you fully understand all the terms and conditions before agreeing to anything.

6. Due Diligence:

Conduct due diligence on the lender as well. Verify their credentials, check references, and clarify any concerns you may have before proceeding.

7. Documentation and Legalities:

Once you’ve agreed on the terms, formalize the agreement by signing the necessary documents. Make sure all aspects of the loan are clearly outlined in the contract to avoid misunderstandings later.

8. Close the Deal:

After the documentation is in order, finalize the loan by closing the deal. This may involve transferring funds, signing additional paperwork, and fulfilling any other requirements specified in the agreement.

9. Loan Servicing and Repayment:

After receiving the funds, adhere to the terms of the loan agreement. Make timely payments according to the repayment schedule and maintain communication with the lender as needed.

10. Build a Relationship:

Establishing a good relationship with your private money lender can be beneficial for future projects. Communicate openly, be transparent about your investment activities, and honor your commitments to build trust over time.


As we work with Private Money Lenders, sometimes the process varies a bit depending on the lender and the specific circumstances of your investment.

It’s essential to do your research, ask questions, and seek professional advice if necessary to ensure a smooth and successful transaction.

If you have questions about working with Makai Home Investments or would like to consider investing with us, let’s start a conversation.


Why Having a Realtor Help isn’t ALWAYS Necessary

As someone who has always been interested in investing in real estate, I am constantly on the lookout for potential investment properties.

A Recent Real Estate Investing Experience

Recently, I came across a property that caught my eye.

It had been on the market for a while due to its need for maintenance, and I learned that the husband and wife who owned it had both passed away. Even though their children didn’t want to keep the property, I recognized the potential for investment.

One day, while I was visiting the property, a woman who was there for the seller approached me and asked if I had a realtor.

I responded that I was there on my own to look at investment properties.

The woman then introduced herself as the seller’s representative and suggested that her husband, who was also present, could potentially work with me since she was representing the seller.

At first, I was hesitant about working with the seller’s representative, as I was concerned about the potential for conflicts of interest. However, I decided to keep an open mind and hear them out.

The husband returned to show me the property and I was impressed with what I saw. Although I knew that others were offering higher than asking price for the property, I decided to offer the asking price and left it as a backup option. I didn’t want to overpay for the property, but I also didn’t want to risk losing it altogether.

The following day, the husband reached out to me and mentioned that there was another property that was not yet listed but was in better condition and located in the same desired area. He also mentioned that if they received offers before listing the property, they would consider them.

I was thrilled to hear this news, and I knew that I had to act quickly if I wanted to have a chance at securing the property before it was even listed. I worked with the husband to put together an offer that was competitive and fair, and I was ultimately able to secure the property.

My experience highlights the importance of networking and keeping an open mind when looking for investment opportunities.

While having a realtor can be helpful, it’s not always necessary to have one in order to find promising investments. It’s important to do your research, keep an eye out for potential opportunities, and be willing to take calculated risks in order to achieve your investment goals.

How do I find a Distressed Seller?

Identify your target market:

The first step is to determine the type of property you are looking for and the location. This will help you narrow down your search to a specific market. For example, you may be interested in distressed properties that are single-family homes in a particular neighborhood or commercial properties in a specific area of town. Knowing your target market will also help you understand the average prices of properties in that area and what you can expect to pay.

Conduct research:

Once you have identified your target market, start researching the properties and owners in that area. You can use online platforms such as Zillow, Redfin, and, or drive around the area to look for “For Sale” signs. You can also work with a real estate agent who has experience with distressed properties and can help you identify potential leads.

Look for signs of distress:

Once you have a list of potential properties and owners, look for signs of distress. Some signs of distress include vacant properties, properties with overgrown lawns, properties that have been on the market for a long time, and owners who are behind on mortgage payments. You can also look for properties that are in need of repairs or renovations, which may indicate that the owner is motivated to sell.

Contact owners:

Once you have identified distressed properties and owners, reach out to them to see if they are interested in selling. You can send letters, make phone calls, or visit them in person. It’s important to approach owners with empathy and understanding, as they may be going through a difficult time. Be respectful and sensitive to their needs, and make it clear that you are interested in helping them find a solution to their problem.

Make an offer:

If the owner is interested in selling, make an offer that takes into account the condition of the property and the owner’s financial situation. Your offer should be fair and reasonable, but also take into account any repairs or renovations that may be needed. Be prepared to explain how you arrived at your offer and what factors you considered.


Negotiate with the owner to come to an agreement on the sale price and terms of the sale. This may involve multiple rounds of negotiations, and you may need to be flexible in order to come to an agreement that works for both parties. Keep in mind that the owner may have emotional attachments to the property, so be patient and understanding throughout the negotiation process.

Close the deal:

Once you and the owner have come to an agreement, finalize the paperwork and close the deal. This may involve working with a real estate attorney to draft a purchase agreement and ensure that all legal requirements are met. Once the deal is closed, you can begin the process of repairing or renovating the property, or whatever your plans may be for the property.


In summary, finding a distressed seller requires a combination of research, empathy, and negotiation skills. By understanding the market, identifying distressed properties and owners, and approaching owners with sensitivity and understanding, you can find opportunities to acquire properties that may not be available through traditional channels.


How We Found Our First Property

Finding our 1st property wasn’t easy.

In fact, it took us about ____ months of day to day work.

But, it’s been a fun journey.

In today’s post we’re going to talk about the process, what worked, what didn’t work, and what we’ll do different/better next time.

How did we find the property? 

Playing on Zillow one night, I was learning how to navigate through the site better and found the “other listings”  which are properties in foreclosure or FSBO (For Sale By Owner) when one property caught my eye.

It was going to auction.

It was also down the street from my daughter so I called her to get whatever information I could. She didn’t know them, but said they’ve had a moving pod in front of their house for months and then added, “there’s definitely a problem”.

Aha! That’s what I needed to hear.

I kept my eye on the property when I noticed the scheduled auction for this property was postponed.

Not knowing much about how the auction process works, I started researching and asking questions.

Weeks, maybe even months, went by and the moving pod was still there and it was still showing “postponed” on the website.

I learned later it was due to an investor group purchasing their property, but they backed out right before the close of escrow.

What were the first steps? 

Finding the courage and motivation.

At first I wasn’t totally sure what to do because I’ve never done anything like this before, but I knew from all my education in real estate that this would be a perfect SubTo opportunity.

However, it was the motivation of having to walk away from my long time W-2 job/career that gave me the courage I needed to put my education to practice. I always hear about knocking on doors and just having a conversation to find out what they need.

What is the problem that’s going on and how can I help or help them find a solution to what their situation is.

It’s about building the relationship and letting them know that you’re not just an investor there to low ball and get their house, but really let them know that you want to know what’s going on and you want to help and that you’re willing to work with them, no matter what the outcome is, to get them out of this situation.


What happened next? 

During one of our Saturday morning walks, I got the courage up to tell my husband, “let’s go visit the grandkids and then on our way out, I want to stop at that house whose auction date is postponed -and knock on the door”.

This was the first weekend after taking leave from my W-2 job so I definitely had some motivation and I felt like I had nothing to lose.

After visiting with the grandkids, we drove to the other end of the block to the house and I knocked at the door.

For some reason, I really didn’t have any fear.

It was just a conversation, right.

I waited a little bit but no one came to the door, so I went back to the car to write a note to leave on the door. (No, I didn’t have one already made up. This is how new I was to all this.)

But then I heard Tom call me and I turned around to see an elderly gentleman had come out and was standing in front of the house so I went back and introduced myself.

I simply told him we were visiting our daughter who lives up the street (true) and noticed the moving pod in front of your house for a while (also true).

I also let him know that we really like the neighborhood and are looking at houses in the area (true again) and I was just wondering if they were planning on moving.

He said they were planning on moving. Yay!

He told me he owned the house with his son.

Their names are both on the title, however, he would prefer I talk to his son. Great!

I wrote my name and number on the back of a Costco receipt (no fancy business card here) and asked him to please let him know to call or text me.

We hadn’t been driving back more than 10 minutes when I got the text!

Yes, they are planning on moving and said they are available to talk about it. It was already late in the afternoon and we were on the highway back home, which I explained, so I asked if it was okay to come back tomorrow, Sunday, around 10am.

If they had said no, I would have made a U-turn on the freeway if I had to, but luckily they said yes!

The next day we met and had a really great conversation.

We let them explain what’s been happening, how they fell out of escrow actually twice, and where they wanted to go once they sell their house.

It was a fact finding mission accomplished.


Were there any red flags that you can now see? 

Not so much red flags on anything that they did because they were just in a situation that they couldn’t get out of and that first meeting was just about collecting data. However, I would just say to either be sure to neatly write everything down or record the conversation (let them know first) so you can go back and track the dates, any specific numbers or issues, and what was discussed starting from day one. That first encounter, they made the comment that they needed $250k in order to buy land in Alpine. I needed to understand they meant literally this is what they will need from us in order to move forward. It was a learning experience for me to take everything they say literally! And then I should have made it clear, at that point, that we wouldn’t be able to promise anything until we dug deeper into their situation. However, we definitely want to help them out of foreclosure and, if we decide we want to work together, we would need to confirm what they owe the bank, get quotes, and then we can definitely see what we can do to get them closer to moving to Alpine. If at that point they said, no matter what they need $250k, then that would have been the red flag and we could have taken a minute to step back and gracefully back out of the potential deal so as to not waste anyone’s time. I would still tell them that we’re here to help, if they get to that point where they can use our help, to call us. 


What did you learn from this recent deal?

I learned so much from doing this deal. Probably more than I can explain in words, but one thing I can say is that to actually go to the process is the game changer. You can read and show up to trainings and webinars and listen to other people doing these amazing SubTo deals using creative finance and you think wow that’s so awesome! But until you actually go through it and ask a lot of questions and more clarity, then you really won’t fully understand everything that you’re learning about. It’s that “learn by doing” attitude and method that really opens your eyes and teaches you everything that you need to know. The biggest take away from my experience is truly just do it! Do your due diligence, seek out mentors, and network. Find your team that will help you grow and learn. You’re going to make mistakes and have to do some damage control, but as long as you’re asking questions and not assuming, then your mistakes are going to be fixable and it’ll be the best learning experience you could ask for.


What will I do differently next time?

Over communicate. Even though I felt like I was communicating a lot and being very transparent with everything I was doing, I needed to share a spreadsheet document with them that visibly showed every date that something was done, what was done, and any note that would provide explanation. I needed to better educate them on the process as to what we were doing, how that could affect our outcome, as well as any benefits or value that our deal was going to bring us. This is not an everyday thing so it is your job, it was our job, to make sure they not just knew what was going on, but understood it. Educate them on how the deal works and how the money is coming and going, what you’re bringing to the table to get them out of foreclosure, and how that’s going to affect the potential outcome. Just remember, especially if SubTo and creative finance is new to you, you are educating them as much as you are learning the process yourself. Learn-by-doing and then educate your homeowners so there’s no misunderstanding.


What will you do the same?

I will continue to knock on doors and build a relationship just as I did before. I’m not afraid to talk to people and ask questions to find out what is going on and figuring out how we can possibly help. Even if I don’t know the answer, I know how to reach out to our team to get it. I will do everything I can to help no matter what the outcome. I will leave the lines of communication open on both sides and reach out to the experts as I did before. Trust me, there could have been major mistakes that cost us thousands of dollars, but luckily I had an expert on my team who caught me before I made the mistake. Phew! 


How are you implementing what you learned in the next deal? 

I will have better systems in place whether it be spreadsheets or trackers or anything where it’s in an ongoing document that can be shared between us and the homeowner. Whether they want to track it or not, it will be made available so every time we do anything such as contact the owner, get a quote, talk to their lender, etc., we will add it to the ongoing spreadsheet when we did it, who we talked to, when, what, and why. We will also include a basic spreadsheet with numerical data that includes the “potential” sell price along with all the costs to get their home ready to sell. I feel having those systems in place will educate the homeowner on what is going on in real time in order to get to a positive end result. So… build a positive and honest relationship with your homeowner, educate them in your process, reminding them of the benefits, be grateful for the opportunity, and get your systems, spreadsheets and trackers in place so there’s never something that you have to remember or try to find in an email that was said or done. Everything is right there at your fingertips.


Who is Makai Home Investments?

How did you get started in real estate?

When I was younger, my dad was in real estate and he started buying properties and renting them. That was my first taste of real estate investing.

From there, I watched him buy more and more of properties , also watching him work harder and harder and Knies is kind of being the person.

I am thinking you know I am thinking myself, but it just seems like he was working really hard and not getting much benefit as I fell T-shirt so I think that was my first casement and then, he wanted to do the same but working differently so that I can read the benefits that I know are there

What do you love most about real estate?

I I love seeing houses that I don’t like that are looking rundown and you know and neglected but I love seeing them you know the natural state where they started. They were a beautiful house at one time and so it’s like yeah I’m just giving him remodeling them and making them pretty again you know it’s always sad when you see a house that was neglected or in the family so Somethings not going in a well and by redoing your house you know better so that’s fun yeah that would be why I like you know when I would watch some of these I think that’s why I got so caught up on that or really ugly house or a really beat up house and they were gay make it pretty and the transformation is just like it’s almost like magic it was wonderful for the community in the neighborhood so SS I’m sorry

You’ve been working with Tareq and team now for about six months. What’s one of the best things you’ve learned so far?

I am on the best thing is is learning how important networking is, and asking a lot of questions and knowing that there’s other people in that in this industry, who are so willing to help I think that’s the Accountant out of his program. I’ve done other webinars and it was kind of information and then you know nothing but this one is there is that role sense of community and everyone working together and some people who didn’t know each other and are in a different Cesar now you know I am working together on projects shaving them and I think that’s it, as thing I’ve learned other than emphasize all of the coaches to come on and they whether it’s flipping or Airbnb or whatever I need that information on called as well but I think the networking community is probably the number one