We closely look at the borrowers' exit strategies. We do look at the borrowers ability to pay their expenses. Some of our hard money loans have payments of $0 until payoff (unless there is a default); Obviously, in such cases, $0 loan payments do not concern us, but we are concerned with your ability to successfully complete the project and have funds available for related expenses. If we do not think you can pay your expenses which may include utilities, insurance, monthly loan payments (if any), taxes, repairs (or some repairs before drawing rehab funds, if there is a rehab account), monthly loan payments (if any are called for), etc., and pay off your loan via the planned exit strategy we will not make the loan.