239 - Hard Money, Real Assets: How Karpe Bridges Borrowers and Investors

In this episode, Kyle Jones is joined by Stephen Hale of Karpe Real Estate Center, a Bakersfield company approaching 100 years in real estate and lending. They break down hard money lending and explain how it works and who it's for. Stephen shares why many borrowers choose it for speed and flexibility instead of traditional financing. They also cover the investor side, including typical returns, fractional trust deed investing, and risks like foreclosure. The conversation touches on bridge loans, estate planning, and how Karpe supports clients from start to finish. Whether you're a borrower, an investor, or just curious about alternative lending, this episode offers a clear and practical overview! Stephen Hale is a principal at Karpe Real Estate Center and has been with the company since 2019. He has completed over 210 deals totaling approximately $110 million in loan volume, with a focus on commercial and construction lending. Prior to Karpe, he worked as a commercial broker at Colliers Tingey in Bakersfield, specializing in retail. He graduated from UC Berkeley and previously competed as a professional golfer on PGA Tour Latin America and PGA Tour Canada. Check out Karpe Real Estate Center: website facebook instagram LinkedIn