The Private Money Lender Parameters are as follows, you can earn anywhere from 8%-11% interest, paid monthly. Terms are typically 6-24 months. Minimum loan amount is $100,00 and you must be accredited which is a salary of $200,000 per year or a net worth of a million dollars aside from your home. Secured first liens are typically FCAP’s focus but we will do some second liens with our lenders in the first lien for those investors that want a higher return, this is ideal for IRA’s.