The #1 Rule of a Private Money Lender: 
DON'T LOSE MONEY!!!

Hi, I’m Stacy M Carpenter — Real Estate Investor, Private Money Lender, and Capital Raiser located in the beautiful San Antonio, Austin, and Texas Hill Country markets.

My journey into private money lending began with deep education: I completed Gator, Gator Elite, and Subto training, devoured books, and invested in multiple high-level PML masterminds. But even with all that knowledge, I realized something critical — education alone doesn’t protect your capital. You need frameworks, systems, and tools to standardize and consistently perform due diligence to protect your capital and avoid scams.

So I built them.

Over two years, I developed the PML Due Diligence & Underwriting Tool — a comprehensive, step-by-step framework designed to help lenders confidently assess deals, vet borrowers, estimate repairs, underwrite safely, and secure their investments with the right instruments. It’s the exact system I've used to lend millions of dollars — without losing a dime.

Why does this matter? Because I’ve spoken to countless lenders who’ve lost tens or even hundreds of thousands of dollars by not understanding the deal, skipping due diligence, or trusting the wrong people. I created this tool to solve that problem — first for myself, and now for you.

This isn’t just a workbook. It’s peace of mind. It’s a shortcut to lender-confidence. It’s the difference between lending wisely and gambling blindly.

I believe in freedom — financial, personal, and professional. And I know that with the right tools, you can lend smarter, scale faster, and protect what you’ve worked so hard to build.

Let’s raise capital with clarity. Let’s lend with confidence. Let’s build freedom — one vetted deal at a time.

SAFE LENDING!!!