There are many investment opportunities to generate cash flow, but few are as safe as low leverage Hard Money Loans against single family homes in strong markets. As long as you have an experienced operator who knows how to value the properties, vet the borrowers, and administer other aspects of the business, your investment will be safe, especially if it’s a conservative return. Michael Joseph, Partner at First Bridge Lending, has a $300 million dollar fund against California single family homes at 65% LTV. Michael has never lost investor money. He also owns a chain of Planet Fitness gyms and real estate holdings, including small bay industrial properties.