Private Lenders or Equity Partners? What Most Investors Get Wrong With Amanda Cruise

EPISODE 574: Choosing between private lenders and equity partners is one of the most consequential decisions real estate investors face, yet the industry offers little structural guidance for navigating it. Financing conversations are often shaped by deal type, market conditions, or precedent rather than by a clear framework that accounts for long-term growth, cash flow sustainability, and risk alignment, leaving even experienced investors to manage unnecessary complexity. In this episode, Liz Faircloth sits down with Amanda Cruise of Voyage Investing to bring clarity to how financing decisions can be structured with greater intention. Drawing on her hands-on experience across private lending and equity partnerships, Amanda breaks down when private lenders create strategic leverage, when equity partners provide stability, and how to structure each responsibly. Through a real-world case study, you’ll gain practical insight into conservative underwriting, capital stack design, and investor relationship management, so your financing structure supports your business as it scales, rather than limiting it. What to listen for: How to determine whether syndication truly supports your project’s goals, or if a simpler structure would better serve both you and your investors. (02:56) Understanding when private money lending is the right tool for your deal, and how to structure it to support predictable cash flow and operational sustainability. (09:18) How to position yourself financially with reserves and contingency plans so you can navigate challenges confidently while honoring your commitments to lenders. (18:30) The strategic trade-offs between private lending and equity partnerships, which asset types are best suited for each, and how to structure relationships that are clear, professional, and durable. (22:38) The questions explored in this episode are the same ones investors are unpacking in the hallways and breakout rooms at the Best Ever Conference — an event built around real deals, real operators, and real capital decisions. Best Ever Conference takes place February 18–20, 2026, in Salt Lake City, Utah, bringing together active and passive commercial real estate investors for three days focused on education, connection, and deal-making — without sales pitches. What sets this room apart: 95% of attendees have closed at least one commercial real estate deal in the past nine months In-depth discussions on multifamily and emerging asset classes Access to off-market opportunities and experienced operators If you’re thinking about capital strategy, partnerships, or how to scale your portfolio intentionally, this conference is where those conversations move from theory to action. CLICK HERE: And use the code INVESTHER10 for 10% off tickets About Amanda Cruise: Amanda Cruise is the founder of Voyage Investing. She turns overlooked properties into opportunities — from mobile home parks to land projects to industrial real estate. She also co-hosts the Best Ever Commercial Real Estate Podcast each Wednesday. Based near Raleigh, NC, Amanda runs her business with her husband, Jonathan, while raising two adventurous kids and always looking for the next great opportunity. Connect with Amanda: Website: Instagram: @investingwithamanda *** InvestHER Assessment: 5-minutes to determine where you are in your investment journey. Get a custom roadmap with practical steps: Live Trainings: The 3-Step InvestHER Formula, providing must-know insights for confident action: InvestHER CON: The premier conference for women in real estate. Invest intentionally, build cash flow, and buy back your time: STRIVE Mentorship Program: Build financial freedom: Get support:

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Private Lenders or Equity Partners? What Most Investors Get Wrong With Amanda Cruise is an episode from The Real Estate InvestHER Show by Andresa Guidelli & Liz Faircloth.

This episode is 38:28 long.

This episode was published on Jan 30, 2026.

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