ACFAmerican CashFlowInvestment Club
Private LendingMembers Only

Collateral, LTV & Borrower Analysis

Evaluate the property and the person before you lend a dollar.

Rebecca LindqvistRebecca LindqvistFounder, Northgate Private CapitalIntermediate 14 lessons 1h 59m 3.7 (3)
Join the ClubWatch free preview
Members-only course. This course is included with club membership.

About this course

Private lenders are repaid by borrowers and protected by collateral. Learn to verify value independently, calculate LTV and LTC correctly, review borrower experience and liquidity, and set lending limits.

What you will learn

  • Order and review valuations and BPOs
  • Calculate LTV, LTC and ARV-LTV
  • Review borrower track record, credit and liquidity
  • Set maximum loan amounts by risk tier

Curriculum

8 modules · 14 lessons · 1h 59m

  1. Module 1

    Introduction

    2 lessons

  2. Module 2

    Core Principles

    2 lessons
    • How Private Lending Generates ReturnsVideo · 10 min
    • First Position, Second Position and Lending FundsWritten lesson · 7 min

  3. Module 3

    Loan Structure

    2 lessons
    • Interest-Only vs Amortizing LoansVideo · 10 min
    • Rehab Loans and Draw SchedulesWritten lesson · 7 min

  4. Module 4

    Financial Analysis

    2 lessons
    • Calculating Lender YieldVideo · 10 min
    • Borrower Analysis: Experience, Credit and LiquidityWritten lesson · 7 min

  5. Module 5

    Risk Management

    2 lessons
    • Documentation That Protects PrincipalVideo · 10 min
    • Recognizing Early Default SignalsWritten lesson · 7 min

  6. Module 6

    Real-World Examples

    1 lessons
    • Example: A Conservative First-Position LoanVideo · 10 min

  7. Module 7

    Case Study

    1 lessons
    • Case Study: First-Position Rehab LoanCase study · 11 min

  8. Module 8

    Final Assessment

    2 lessons
    • Final AssessmentQuiz · 4 min
    • Applied AssignmentAssignment · 9 min

Your instructor

Rebecca Lindqvist

Rebecca Lindqvist

Founder, Northgate Private Capital

Rebecca has originated and serviced more than 900 real estate-backed loans. She teaches lenders how to protect principal through collateral, documentation and process.

Private LendingLoan UnderwritingNote Investing
All courses by Rebecca

Member reviews

  • “Exactly the level of depth I was looking for. The downloadable tools are excellent.”

    LHLeon Holloway · Sep 12, 2026

  • “Clear, practical and immediately useful. The worked examples made the numbers click.”

    JYJamie Yates · Mar 17, 2026

  • “Good overview; the risk management module was especially valuable.”

    EHEvelyn Holloway · Aug 28, 2025

More in Private Lending

View category