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    <title>LendSolo Blog</title>
    <description>Guides, strategies, and insights for private lenders managing their loan portfolios.</description>
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      <title>How to Structure a Hard Money Loan: Terms, Docs, and Protections</title>
      <description>A well-structured hard money loan protects your capital and keeps servicing simple. A poorly structured one creates problems you won't discover until something goes wrong. Here's how to get it right from the start.</description>
      <pubDate>Sat, 04 Apr 2026 00:00:00 +0000</pubDate>
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      <category>Loan Structures</category>
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      <title>Is Private Lending Legal in Texas? What You Need to Know</title>
      <description>Texas is one of the most active private lending markets in the country, but its rules around usury, homestead protections, and foreclosure can trip up even experienced lenders. Here's what you actually need to know.</description>
      <pubDate>Sat, 04 Apr 2026 00:00:00 +0000</pubDate>
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      <category>Tax &amp; Compliance</category>
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      <title>The True Cost of a Bridge Loan: A Real Breakdown</title>
      <description>A 12% bridge loan doesn't cost 12%. When you add origination points, flat fees, and extension costs, the true annualized cost can be 16% or higher. Here's how to calculate it.</description>
      <pubDate>Fri, 03 Apr 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/true-cost-of-bridge-loan-breakdown</link>
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      <category>Borrower Guide</category>
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      <title>What Happens When Your Bridge Loan Matures: A Timeline</title>
      <description>Your bridge loan maturity date is approaching. Here's a practical timeline of what to do at 90, 60, 30, and 7 days out — and what happens if you're not ready.</description>
      <pubDate>Fri, 03 Apr 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/what-happens-when-bridge-loan-matures</link>
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      <category>Borrower Guide</category>
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      <title>How to Track Your Private Loan Obligations</title>
      <description>Managing two or more private loans means juggling different lenders, rates, maturity dates, and fee structures. Here's a practical system for staying on top of it all.</description>
      <pubDate>Fri, 03 Apr 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/how-to-track-private-loan-obligations</link>
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      <category>Borrower Guide</category>
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      <title>5 Mistakes New Private Lenders Make (And How to Avoid Them)</title>
      <description>The most common and costly mistakes new private lenders make — poor collateral evaluation, concentration risk, missing documentation, legal blind spots, and poor tracking — and exactly how to avoid them.</description>
      <pubDate>Sat, 21 Mar 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/private-lending-mistakes-to-avoid</link>
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      <category>Getting Started</category>
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      <title>Private Lending vs REITs: Where Should You Put Your Capital?</title>
      <description>An honest side-by-side comparison of private lending and REITs across returns, risk, liquidity, effort required, and tax treatment — to help you decide where your capital actually belongs.</description>
      <pubDate>Sat, 07 Mar 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/private-lending-vs-reits</link>
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      <category>Portfolio Strategy</category>
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      <title>What Interest Rate Should I Charge on a Private Loan?</title>
      <description>How to set interest rates on private loans — market rate benchmarks by deal type, how LTV affects pricing, usury law considerations, worked examples, and a free loan pricing calculator.</description>
      <pubDate>Sat, 28 Feb 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/what-interest-rate-charge-private-loan</link>
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      <category>Deal Analysis</category>
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      <title>Private Lending Tax Guide: What You Need to Know</title>
      <description>How to report interest income from private loans, when you're required to file a 1098, what you can deduct, and how to structure your tax reporting — whether you're on Schedule C or Schedule E.</description>
      <pubDate>Sat, 21 Feb 2026 00:00:00 +0000</pubDate>
      <link>https://lendsolo.com/blog/private-lending-tax-guide</link>
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      <category>Tax &amp; Compliance</category>
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      <title>How to Start a Private Lending Business: A Practical Guide</title>
      <description>A step-by-step guide to starting a private lending business — legal structure, capital requirements, finding borrowers, setting rates, essential documents, and the mistakes that sink new lenders.</description>
      <pubDate>Sat, 14 Feb 2026 00:00:00 +0000</pubDate>
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      <category>Getting Started</category>
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