The Truth About Hard Money They Don’t Want You to Know

In this episode of the Invest Success Podcast, we sit down with Kevin Amolsch, founder of Pine Financial, to unpack the world of hard money, raising private capital, and how to make smart, non-emotional decisions as a real estate investor.

We cover why hard money is worth the cost, how to leverage it for your first or next flip, and how even passive investors can start earning 8% returns without lifting a hammer. If you're wondering how to fund deals in a tight market, avoid common emotional traps, and understand how pros structure deals—this episode is for you.

Learn more about our real estate investing mentorship program in Denver at Invest-Success.com.
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00:00 – Intro & Why Finding Money Is Hard
00:36 – Meet Kevin Amos & What Pine Financial Does
01:07 – Why Hard Money Isn’t a Loan Shark Move
02:00 – When and Why to Use Hard Money
04:50 – Banks Won’t Touch These Properties
06:00 – How Lenders Calculate ARV and Loan Amounts
08:00 – The #1 Mistake: Emotional Investing
12:00 – Passive Investing: Notes, Funds, and Syndications
17:00 – Market Conditions & Why It’s Tougher for New Investors
20:00 – The State Investor Success Summit & Final Advice