01
Private Lenders & Investors
Turn dormant equity into double-digit returns; underwrite confidently, structure deals that hold up, manage risk across cycles, and recover when borrowers default.
First Edition · 2026
Become the Lender
Private Lending: A Comprehensive Guide for Investors, Lenders, Real Estate Agents, and Attorneys
Jared M. Tomassi, Esq.
Become a lending expert.
Who this book is for
A practical reference for the people around a private loan.
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Real Estate Investors & Borrowers
Understand why private financing costs what it costs, your rights and obligations, and how to negotiate terms that work.
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Real Estate Attorneys
A reference for private-loan closings, foreclosure procedures, and compliance.
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Real Estate Agents
Know when private financing solves a client’s problem, which lenders to call, and how to distinguish market-standard from exploitative terms.
What’s inside
From the first conversation to the hard parts.
- 35 chapters covering every stage from origination through foreclosure
- 50-state foreclosure procedure reference with timelines, redemption rights, and deficiency rules
- Federal compliance analysis covering TILA, RESPA, ECOA, FCRA, Dodd-Frank, HMDA, and SCRA
- Licensing and usury law across all 50 jurisdictions
- Underwriting frameworks for fix-and-flip, bridge, construction, rental, land, and portfolio loans
- Documentation deep-dive on notes, mortgages, deeds of trust, guaranties, and UCC filings
- Workout and foreclosure decision frameworks
- Real-world case studies
- Ethics of dual representation and trust account compliance
- Marketing and deal-flow strategies built on relationships
Written by someone who does this every day
A 360-degree view of private lending.
Jared M. Tomassi is a practicing real estate attorney, licensed real estate broker, active real estate investor, and private lender.
He has handled thousands of closings, funded his own loans, borrowed from private lenders, and navigated defaults from both sides. His firm brings more than 20 years of Rhode Island real estate experience to the work.
Table of contents snapshot
10 parts / 35 chapters.
- 01Foundations of Private Lending
- 02The Borrower’s Perspective
- 03The Lender’s Perspective
- 04The Closing Attorney’s Perspective
- 05Legal Framework & Compliance
- 06Loan Structures & Documentation
- 07Default, Remedies & Foreclosure — including 50-state charts
- 08Practical Strategies & Case Studies
- 09Final Thoughts & Conclusion
- 10Appendices and glossary
Clear answers
Questions about the book
The book site describes the First Edition as a practical guide. Laws change, so verify current rules and seek jurisdiction-specific advice before relying on legal information.
Is the book too advanced for a beginner?
No. The book is written to be accessible to beginners while offering depth for experienced readers. A new lender can begin with the foundations and borrower and lender perspectives, then move into specialized sections as needed.
Does a single-state lender need all 50 states?
A lender whose work stays in one state may not need every state procedure for daily use. The 50-state reference can still help when a property, borrower, attorney, referral, or future opportunity crosses state lines. Current state rules should always be verified before action.
What does an experienced lender gain?
An experienced lender can use the book to pressure-test underwriting, documentation, title review, default planning, compliance, and deal-flow practices. The case studies and state-by-state material are designed to reveal risks that can be easy to miss when a transaction looks familiar.
Is it theory or practice?
It is practice-oriented. The book addresses origination through foreclosure, loan structures and documents, workout decisions, compliance, ethics, and real-world case studies from the perspective of someone who has worked on both sides of private lending.
How current is the legal information?
The First Edition is published in 2026 and addresses current federal and state requirements as described by the book site. Laws and regulations change, so readers should verify current rules and obtain jurisdiction-specific advice before relying on them for a transaction.
Buy the book
Request a copy.
This form sends a request to the office. Jared will personally confirm your order by email. No payment is taken on this site.
Bulk and volume orders for firms, funds, and organizations are welcome.
Call 401-941-5291
Or use the contact page.