Will Harvey III joins Keith Borie on The Wealth Flow Podcast for a candid look at how an award-winning residential loan officer and house flipper became the founder of a dedicated hard money lending fund. Will traces the full arc — originating mortgages at a national lender, building a personal portfolio of houses, flipping properties to generate cash, and investing as both a limited and general partner in apartment syndications — before settling on private lending as the strategy that best matched his temperament and skill set.
The conversation digs into practical tax strategy, including how cost segregation studies and bonus depreciation can be used to offset ordinary active income, and the trade-offs of running operationally intensive real estate like boutique hotels and wedding venues. Will explains why hyper-focusing on a known local market — in his case the Richmond, Virginia metro — meaningfully reduces underwriting risk, and how that local edge translates into better borrower selection and faster decisions at Harvey Capital Funding.
Will and Keith close with a deep dive into asset-based hard money lending: how loans are structured around the property rather than the borrower's W-2, why customizing terms for experienced operators creates a durable competitive advantage, and how investors can earn consistent monthly income through a diversified portfolio of first-lien real estate loans. A practical episode for any investor weighing the move from owning property to financing it.