#hard cash loans

[vpcapital]

Using Your Debt-to-Income Ratio to Assess Your Eligibility for a Commercial Hard Money Loan

Your debt-to-income (DTI) ratio is one of the most important factors that lenders consider when determining whether to grant you a loan from a commercial hard money organization. This significant figure reveals the percentage of your income that is allocated to debt repayment. This blog post will explain how to calculate your DTI, what constitutes a reasonable ratio, and how analyzing this number can assist you in determining whether using a hard money business loan to finance your next project or the acquisition of commercial real estate is the best course of action.

Why is the debt-to-income ratio important and what does it mean?

Your monthly gross income is divided by the total amount of debt you pay off each month to determine your DTI ratio. The expressed value is a computed percentage.

Reputable Hard Partners in Partnership Investors in Cash

As important as determining whether this finance fits well with your DTI and overall financial profile is choosing the appropriate commercial hard money lenders as partners. Different hard money lenders have different characteristics. Make sure you carefully vet potential lenders before choosing one that provides:

• Adequately structured competitive rates and fees

• Adjustable qualification based on circumstances

• Fair terms and LTV ratios

• An integrity-based reputation

Working with investors such as yourself, VP Capital Lending has facilitated deals swiftly and effectively as skilled hard money lenders and commercial real estate financing experts. We can provide you with a tailored financing option for your next project after doing a comprehensive assessment of your current DTI situation. Reach us right away!

As important as determining whether this finance fits well with your DTI and overall financial profile is choosing the appropriate commercial hard money lenders as partners. Different hard money lenders have different characteristics. Make sure you carefully vet potential lenders before choosing one that provides:

• Adequately structured competitive rates and fees

• Adjustable qualification based on circumstances

• Fair terms and LTV ratios

• An integrity-based reputation

Working with investors such as yourself, VP Capital Lending has facilitated deals swiftly and effectively as skilled hard money lenders and commercial real estate financing experts. We can provide you with a tailored financing option for your next project after doing a comprehensive assessment of your current DTI situation. Reach us right away!

[euesworld]

You can click here to sign up and when you take out your first cash advance, we both get $15 💰 🤑 💰🤑 you can get up to $500 with NO INTEREST!! Download the Dave app with the little bear and then come back and click on the link to qualify for the free $15.

[ayvazcapitalgroup]

Cash Out Hard Money Loans Glendale CA | Ayvaz Capital Group

Ayvaz Capital Group offers cash out hard money loans in Glendale, CA, providing real estate investors with quick access to the equity in their properties. Whether you're looking to expand your portfolio or manage unexpected expenses, our easy approval process ensures you get the funds you need in as little as 7 days. Apply now and unlock the value of your real estate investments.

[accolend]

[hardmoneymarket]

Essential Considerations for Refinancing Your Commercial Property | Hardmoney Market

Discover the essential factors to consider when refinancing your commercial property, including interest rates, loan terms, and property value, to maximize your investment returns.

[the-merchant-cash-ceo]

owning and running your own merchant cash advance business

i dont know were this is going to go but i guess i can use this as a way to express my thoughts is hard running your own business its even harder when you running a business about money as a owner sometimes you want things your way but i feel like some times you just have to let things go and like they say put it in gods hands some times you have to be firm and some times you got to be light hearted but you want to make sure you dont get stepped on if you make money and your guys dont hit there mark you cant celebrate be cause you become a show off its more than my self i know but i look to maximize every opportunity and some ppl dont get the bigger picture but as i turn in to a ceo there are tons of hurdles but we have to man up keep the money coming in in order for the business to bloom id like the world to share some of there experiences as owners so i dont feel like im the only one should i just let my management do what they want if i do i feel like i lose power what do you guys think

[natalieironside]

So I used to be a pizza deliver driver, and that was pretty great for me; it made me feel like a video game character doing Quests. And when you started your shift as a driver, you got a wad of 15 singles for making change which was deducted from your tips at the end of the night. And this was back in the very early 20teens so $15 American just so happened to also be the price of half a tank of gas and a pack of Marlboro reds, so it was often also a sort of interest-free loan.

Now, a trope in pornography which was once so common that I myself have never actually seen a genuine portrayal of it but only seen it parodied runs thusly: A brave hero is delivering a pizza to some beautiful person who, upon receipt of the pizza, says, "Unfortunately I don't have any money; could I perhaps cover the cost of the pizza with sexual favors?" And always the hero agrees to this Faustian bargain which I'm sure must seem quite reasonable to you uninitiated civilians.

But, see, I'm making minimum wage. I have no savings. And I already spent my bank on half a tank of gas and a pack of Marlboro reds. So I'm $15 in the hole, and do you know what happens when you don't cash out at the end of the night? The manager calls the cops, and the cops come to your house. Mr. Domino is gonna get his $15 back by hook or by crook. I seen it happen. So if I accept the beautiful person's modest proposal, I'm mortgaging future tips against the $15 *and* the price of the pizza--which can get up there, depending on the order--and if I don't fix those books by the end of my shift, that could get to be a real pain in my ass.

Just doesn't make sense, y'know, from like a business perspective. Maybe it'd be worth a gamble. Maybe if it was like a beautiful woman who was a service top and also a werewolf, maybe you roll the dice and hope for the hard 6. But you gotta be risk-aware, is all I'm sayin.

[andhumanslovedstories]

for people who also have a mild impulse shopping problem, I've found it useful to identify the itch I want to scratch: is it spending money or is it getting things? If it's spending money, I trick my brain by paying off something I owe. Like a few years back when I was feeling dangerously shoppy, I would drop a big chunk of change as a student loan payment. When I was buying an entire new mouth of teeth, I'd transfer money from my checking to my secret ultra hard to access tooth account.

If paying myself or paying a debt doesn't work, I find a charity or gofundme that's worth supporting. (You gotta be careful with that last one, it's really easy to be spend way more than you should, budget-wise, because it makes spending money feel good morally, which can be an incentive to keep going.) I also like to keep cash on hand so if I see someone who needs money, I can give it to them. It's a financial decision made impulsively for an opportunity I won't get again (giving $20 to this exact person at this moment of need). All this soothes the spending beast inside of me, and I don't deal with the Money Shame that comes with $100 of amazon orders.

If I want to acquire things, I download a lot of research articles I know I probably won't read, or I get an enormous stack of books from the library that would be impossible to finish before I have to return them, or I'll download a bunch of albums I tell myself I'll get to someday. Sometimes it's enough to just make a list of things of things I want to do or own. A list of one hundred movies I've curated from best of lists that in this moment I feel motivated to watch. Add tv shows to my watch list on netflix. Add fics to my "to read" list on ao3. Anything that feels like I'm adding to a hoard.

If I still want to shop, well, I'm probably gonna spend more money than I mean to, but I at least make sure I'm deliberate about my spending. If I'm gonna blow my cash on something, it should at least be worth it. That means either very cool or very useful. And honestly, the things you tell yourself are useful while in the shopping haze are never that useful, so you might as well go for very cool.

This is all to say I fell into a trance last night and this morning woke to receipts and tracking info from etsy dot com. And I am like "yikes." But I did get something that is so so so stupid that I can't wait to show it to you all when it arrives.

[fiscuscapitalfunding]

Wondering to learn how to obtain funds, loans, and credit cards for new businesses in the USA? To strengthen a new business, Fiscus Capital's experts help business owners accomplish all their financial and funding needs quickly and without any hassle.

Get to know about Fiscus Financial and Funding services that include Merchant Cash Advances, Personal Loans, Equipment Financing, Business Credit Cards, Cash-Out Refinancing, Fix & Flip Financing, Hard Money Loans, International Real Estate, Accounts Receivable, etc.

[mostlysignssomeportents]

Cars bricked by bankrupt EV company will stay bricked

On OCTOBER 23 at 7PM, I'll be in DECATUR, presenting my novel THE BEZZLE at EAGLE EYE BOOKS.

There are few phrases in the modern lexicon more accursed than "software-based car," and yet, this is how the failed EV maker Fisker billed its products, which retailed for $40-70k in the few short years before the company collapsed, shut down its servers, and degraded all those "software-based cars":

https://insideevs.com/news/723669/fisker-inc-bankruptcy-chapter-11-official/

Fisker billed itself as a "capital light" manufacturer, meaning that it didn't particularly make anything – rather, it "designed" cars that other companies built, allowing Fisker to focus on "experience," which is where the "software-based car" comes in. Virtually every subsystem in a Fisker car needs (or rather, needed) to periodically connect with its servers, either for regular operations or diagnostics and repair, creating frequent problems with brakes, airbags, shifting, battery management, locking and unlocking the doors:

https://www.businessinsider.com/fisker-owners-worry-about-vehicles-working-bankruptcy-2024-4

Since Fisker's bankruptcy, people with even minor problems with their Fisker EVs have found themselves owning expensive, inert lumps of conflict minerals and auto-loan debt; as one Fisker owner described it, "It's literally a lawn ornament right now":

https://www.businessinsider.com/fisker-owners-describe-chaos-to-keep-cars-running-after-bankruptcy-2024-7

This is, in many ways, typical Internet-of-Shit nonsense, but it's compounded by Fisker's capital light, all-outsource model, which led to extremely unreliable vehicles that have been plagued by recalls. The bankrupt company has proposed that vehicle owners should have to pay cash for these recalls, in order to reserve the company's capital for its creditors – a plan that is clearly illegal:

https://www.veritaglobal.net/fisker/document/2411390241007000000000005

This isn't even the first time Fisker has done this! Ten years ago, founder Henrik Fisker started another EV company called Fisker Automotive, which went bankrupt in 2014, leaving the company's "Karma" (no, really) long-range EVs (which were unreliable and prone to bursting into flames) in limbo:

https://en.wikipedia.org/wiki/Fisker_Karma

Which raises the question: why did investors reward Fisker's initial incompetence by piling in for a second attempt? I think the answer lies in the very factor that has made Fisker's failure so hard on its customers: the "software-based car." Investors love the sound of a "software-based car" because they understand that a gadget that is connected to the cloud is ripe for rent-extraction, because with software comes a bundle of "IP rights" that let the company control its customers, critics and competitors:

https://locusmag.com/2020/09/cory-doctorow-ip/

A "software-based car" gets to mobilize the state to enforce its "IP," which allows it to force its customers to use authorized mechanics (who can, in turn, be price-gouged for licensing and diagnostic tools). "IP" can be used to shut down manufacturers of third party parts. "IP" allows manufacturers to revoke features that came with your car and charge you a monthly subscription fee for them. All sorts of features can be sold as downloadable content, and clawed back when title to the car changes hands, so that the new owners have to buy them again. "Software based cars" are easier to repo, making them perfect for the subprime auto-lending industry. And of course, "software-based cars" can gather much more surveillance data on drivers, which can be sold to sleazy, unregulated data-brokers:

https://pluralistic.net/2023/07/24/rent-to-pwn/#kitt-is-a-demon

Unsurprisingly, there's a large number of Fisker cars that never sold, which the bankruptcy estate is seeking a buyer for. For a minute there, it looked like they'd found one: American Lease, which was looking to acquire the deadstock Fiskers for use as leased fleet cars. But now that deal seems dead, because no one can figure out how to restart Fisker's servers, and these vehicles are bricks without server access:

https://techcrunch.com/2024/10/08/fisker-bankruptcy-hits-major-speed-bump-as-fleet-sale-is-now-in-question/

It's hard to say why the company's servers are so intransigent, but there's a clue in the chaotic way that the company wound down its affairs. The company's final days sound like a scene from the last days of the German Democratic Republic, with apparats from the failing state charging about in chaos, without any plans for keeping things running:

https://www.washingtonpost.com/opinions/2023/03/07/east-germany-stasi-surveillance-documents/

As it imploded, Fisker cycled through a string of Chief Financial officers, losing track of millions of dollars at a time:

https://techcrunch.com/2024/05/31/fisker-collapse-investigation-ev-ocean-suv-henrik-geeta/

When Fisker's landlord regained possession of its HQ, they found "complete disarray," including improperly stored drums of toxic waste:

https://techcrunch.com/2024/10/05/fiskers-hq-abandoned-in-complete-disarray-with-apparent-hazardous-waste-clay-models-left-behind/

And while Fisker's implosion is particularly messy, the fact that it landed in bankruptcy is entirely unexceptional. Most businesses fail (eventually) and most startups fail (quickly). Despite this, businesses – even those in heavily regulated sectors like automotive regulation – are allowed to design products and undertake operations that are not designed to outlast the (likely short-lived) company.

After the 2008 crisis and the collapse of financial institutions like Lehman Brothers, finance regulators acquired a renewed interest in succession planning. Lehman consisted of over 6,000 separate corporate entities, each one representing a bid to evade regulation and/or taxation. Unwinding that complex hairball took years, during which the entities that entrusted Lehman with their funds – pensions, charitable institutions, etc – were unable to access their money.

To avoid repeats of this catastrophe, regulators began to insist that banks produce "living wills" – plans for unwinding their affairs in the event of catastrophe. They had to undertake "stress tests" that simulated a wind-down as planned, both to make sure the plan worked and to estimate how long it would take to execute. Then banks were required to set aside sufficient capital to keep the lights on while the plan ran on.

This regulation has been indifferently enforced. Banks spent the intervening years insisting that they are capable of prudently self-regulating without all this interference, something they continue to insist upon even after the Silicon Valley Bank collapse:

https://pluralistic.net/2023/03/15/mon-dieu-les-guillotines/#ceci-nes-pas-une-bailout

The fact that the rules haven't been enforced tells us nothing about whether the rules would work if they were enforced. A string of high-profile bankruptcies of companies who had no succession plans and whose collapse stands to materially harm large numbers of people tells us that something has to be done about this.

Take 23andme, the creepy genomics company that enticed millions of people into sending them their genetic material (even if you aren't a 23andme customer, they probably have most of your genome, thanks to relatives who sent in cheek-swabs). 23andme is now bankrupt, and its bankruptcy estate is shopping for a buyer who'd like to commercially exploit all that juicy genetic data, even if that is to the detriment of the people it came from. What's more, the bankruptcy estate is refusing to destroy samples from people who want to opt out of this future sale:

https://bourniquelaw.com/2024/10/09/data-23-and-me/

On a smaller scale, there's Juicebox, a company that makes EV chargers, who are exiting the North American market and shutting down their servers, killing the advanced functionality that customers paid extra for when they chose a Juicebox product:

https://www.theverge.com/2024/10/2/24260316/juicebox-ev-chargers-enel-x-way-closing-discontinued-app

I actually owned a Juicebox, which ultimately caught fire and melted down, either due to a manufacturing defect or to the criminal ineptitude of Treeium, the worst solar installers in Southern California (or both):

https://pluralistic.net/2024/01/27/here-comes-the-sun-king/#sign-here

Projects like Juice Rescue are trying to reverse-engineer the Juicebox server infrastructure and build an alternative:

https://juice-rescue.org/

This would be much simpler if Juicebox's manufacturer, Enel X Way, had been required to file a living will that explained how its customers would go on enjoying their property when and if the company discontinued support, exited the market, or went bankrupt.

That might be a big lift for every little tech startup (though it would be superior than trying to get justice after the company fails). But in regulated sectors like automotive manufacture or genomic analysis, a regulation that says, "Either design your products and services to fail safely, or escrow enough cash to keep the lights on for the duration of an orderly wind-down in the event that you shut down" would be perfectly reasonable. Companies could make "software based cars" but the more "software based" the car was, the more funds they'd have to escrow to transition their servers when they shut down (and the lest capital they'd have to build the car).

Such a rule should be in addition to more muscular rules simply banning the most abusive practices, like the Oregon state Right to Repair bill, which bans the "parts pairing" that makes repairing a Fisker car so onerous:

https://www.theverge.com/2024/3/27/24097042/right-to-repair-law-oregon-sb1596-parts-pairing-tina-kotek-signed

Or the Illinois state biometric privacy law, which strictly limits the use of the kind of genomic data that 23andme collected:

https://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3004

Failing to take action on these abusive practices is dangerous – and not just to the people who get burned by them. Every time a genomics research project turns into a privacy nightmare, that salts the earth for future medical research, making it much harder to conduct population-scale research, which can be carried out in privacy-preserving ways, and which pays huge scientific dividends that we all benefit from:

https://pluralistic.net/2022/10/01/the-palantir-will-see-you-now/#public-private-partnership

Just as Fisker's outrageous ripoff will make life harder for good cleantech companies:

https://pluralistic.net/2024/06/26/unplanned-obsolescence/#better-micetraps

If people are convinced that new, climate-friendly tech is a cesspool of grift and extraction, it will punish those firms that are making routine, breathtaking, exciting (and extremely vital) breakthroughs:

https://www.euronews.com/green/2024/10/08/norways-national-football-stadium-has-the-worlds-largest-vertical-solar-roof-how-does-it-w

Tor Books as just published two new, free LITTLE BROTHER stories: VIGILANT, about creepy surveillance in distance education; and SPILL, about oil pipelines and indigenous landback.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/10/10/software-based-car/#based

[goldfades]

YOUR BEST FAN !!! ── NICHOLAS CHAVEZ

─ summary | only fans creator with nick, what could possibly happen? ─ warnings | NSFW under the cut. oral (m. receiving), heavy praise, really rough, there's a camera involved (i think i have a thing for cameras ngl), pretty much face-fucking

─ ev's notes ! | i wanna make this a series sooooo bad omfg. also!! I AM NOT TRYING TO GLORIFY OF OR ANYTHING LIKE THAT, pls this is just fictional

free palestine carrd 🇵🇸 decolonize palestine site 🇵🇸 how you can help palestine

When you began dating Nick, you had just began your “business.” You honestly didn’t think much of it at the time—just a little side hustle to pay the your student loans and to have some extra cash for things that you liked. It wasn’t supposed to get this serious, and neither was he.

Nick was different from the start, though. Kind, caring, and completely unaware of the other side of your life. You liked it that way, at first. It was easier to keep things separate, to pretend like this secret world didn’t have to collide with his.

However, when you had realized you'd have to tell him before someone else did, it was too late. Nick had already found your secret Twitter account. You saw it in his eyes the moment he walked through the door—he knew. He didn’t have to say anything for you to feel the dread bubbling in your chest, the panic rising as you mentally prepared for the inevitable conversation.

The worst part? He recognized everything—the background, the subtle details of your room, and, of course, those familiar, sweet sounds you made when you thought no one was listening.

When he brought it up, his voice was calm but direct. “So... I found something interesting today.”

Your heart stopped. There it was. The moment you’d feared. You opened your mouth to speak, to explain, to do anything that might save this, but no words came out. You were certain he’d break up with you on the spot.

“Are you... mad?” You spoke, your voice shaky as you looked up at him. There was shame in your expression, and a little bit of anxiety, you couldn't believe he'd found it.

You thought it was done, over. Until Nick’s lips curved into a smug grin, one that caught you completely off guard.

“Mad?” Nick repeated, shaking his head as he kneeled in front of you. “No, baby. No, not at all.”

You blinked in disbelief, searching his face for any sign of anger or disappointment, but all you found was that same possessive glint in his eyes, the one that sent a thrill down your spine. He was calm, way too calm, and that only made your heart race faster.

“If anything,” Nick continued, his voice low and steady, “I think it’s kinda hot. Knowing they can all watch, but they can’t touch. Not like I do.” His hand slid up your thigh, making your breath hitch. “They can’t make you feel the way I do.”

You swallowed hard, still trying to process what was happening. This wasn’t the reaction you expected at all. In fact, it almost felt like he enjoyed the power of it, the idea that while others watched from a distance, he was the only one who truly knew you, who had you.

The iPhone flash was bright as you blinked, trying to adjust to the sudden light. You were in the car with Nick, driving home from a date night when he suggested the idea. “What if I joined you, in one of the videos?”

That was you ended up in the backseat, in between Nick's legs. The car was parked in an empty parking lot, and you really hoped that nobody was around. However, the thought of getting caught sent a nervous thrill down your spine.

“Look at me,” he instructed, his voice firm but laced with that same cocky confidence from earlier. The phone in his hand hovered just above your head, framing you perfectly in the shot.

Your heart raced as you met his eyes, a mix of nervous energy and excitement coursing through you. He had a way of making you feel completely exposed, and not just physically. This wasn’t like your usual videos—it was different. There was something about him behind the camera that made it feel so much more intimate.

“That’s it,” Nick murmured, shifting the angle slightly as his eyes flickered between the screen and you. “You look so good like this, baby. Don’t be shy.”

God, your pussy was soaked already. You couldn't help but let out a small moan as your hands reached up toward his thighs, gripping them tightly as your lips curved into a smile.

His thighs tensed under your grip as you leaned back against him, your body instinctively seeking the comfort of his touch. The intimacy of the moment—his presence, the weight of his gaze, the phone capturing everything—felt so much deeper than any other time you’d recorded.

You pulled down his shorts and boxers easily, and you heard him let out a satisfactory moan. You blinked up at the camera again, the smile still evident in your soft features. His cock was in frame now, it was mouth-watering to look at; his tip was leaking with pre-cum, the color was a deep shade of red.

Nick’s free hand found its way to your heads, his fingers curling into your hair, sending a shiver through you. “That’s my girl,” he praised softly, his voice a mix of admiration and possessiveness. “Go ahead, baby. Don't get all shy now,” he let out a dark chuckle as he pushed your head further down.

The feeling of his tip brushing against your lips made your stomach squeeze in anticipation. You opened your mouth, humming at the familiar taste of him as you blinked up at the camera. You could feel the heat pool between your legs as you took more of him in your mouth, his head falling back as he let out a sharp grunt.

The grip he had in your hair tightened as he pulled your head up and down, just how he liked it. You let out broken moans, muffled by his cock as your gripped his thighs. Your eyes were watering as his tip began hitting the back of your throat repeatedly, making you gag.

But Nick wasn't in the mood to be slow tonight, not at all. And you didn't mind one bit. “Fuck, yeah,” he groaned as he felt your moans vibrate against his cock. He moved the camera to get a closer look at your face—your makeup was all running, your hair was a mess.

And you still looked so fucking sexy.

The fact that you were doing this here, in the backseat of his car in an empty lot, only heightened the sensation for him. It felt risky, thrilling, and yet entirely safe with Nick.

He continued his assault on your throat, his moans echoing in the car before pulling you off abruptly. You opened your eyes, breathless as you gazed up at the camera. Your breath hitched when his hand slid from your hair to your jaw, tilting your face slightly toward the camera. The lower half of your face was completely covered in salivia and pre-cum, the sight almost orgasmic to Nick.

He let out a soft moan at that, before pushing you back onto his cock, continuing with the same brutal pace. His grip in your hair was almost too tight, it was almost painful but the sounds of his praise and moans kept you going.

“That’s it,” Nick grunted loudly, clearly satisfied, his voice growing even lower. “All fucking mine.”

With one last thrust into your warm mouth, Nick was spilling into your mouth as you moaned loudly against his cock. The taste was heavenly and you did your best to swallow all of it, savoring it. After a few seconds he pulled you off his cock, taking you in with all your glory.

Your eyes were red, your make-up was running down your fucked-out eyes, lips all red and wet, and your face was covered in saliva. He loved when you got sloppy, it was his favorite sight in the whole word.

Nick’s hand moved from your hair, fingers gently grazing your skin before settling on your cheeks, gripping them sightly. He tilted your face toward the camera with a deliberate touch, his thumb brushing your lips. “Give me that smile,” he murmured, his tone soft yet commanding.

You felt the heat rise in your chest, and despite the tension, a small smile tugged at your lips. Your eyes met his, locking onto the intensity of his gaze.

“That’s my pretty girl,” Nick whispered, his voice dropping into something even deeper, almost a growl. “All mine.”

↳ make sure to check out my navigation or masterlist if you enjoyed! any interaction is greatly appreciated !

↳ thank you for reading all the way through, as always ♡

[gremlingottoosilly]

Mafia!Konig X Reader who borrowed money and now has no way to give it back (que to porno scene of her paying back with her bod-)

You knew borrowing money from someone like him was a bad idea. Worst idea you had in your life. Usually, when a person is having money troubles, they should come to the bank and ask for a loan nicely. Maybe talk to some friends and relatives. If anything, just come to some predatory cash transfer service. Of course, if you had any of those options available, you wouldn't be sitting on your knees now, sucking the dick of some ex-military asshole who decided that his PTSD and connections give him the right to police normal, law-obeying citizens. Of course, if you had literally any other option, you would have just gone with it. But it's not possible, not for you - and you needed money as fast as possible. Without any way of paying it back, you're surprised they didn't just kill you outright and then harvest your organs.

"Come on, Schatzi. Be nice and I won't sell you, ja?" There is a gun nudging in your forehead as you suck deeper, trying so hard not to choke. The man - Konig, fittingly, although you fucking hated that stupid name - was enjoying the struggle you put on as you tried to deep-throat his beast of a cock. It's too much, he is choking you without even moving - but you want to be good because otherwise, you'd be dead. And this is...well, not an option. Not even in the slightest. He promised that he wouldn't sell you for organ harvest and wouldn't kill you if you were good for him. He said you're cute, cuter than the usual borrowers. He mumbles something about the last girl he had running away after they found out what he did - but you won't be like this, surely, you already know who he is, and you aren't scared. It's weird, to listen to his mumbles like you're already together - and you don't want to be like this, but he almost sounds...hopeful. Happy. He pats your head with his gun and you can hear a smile in his voice. Nice, kind words covering you - something about giving you more time to pay out the debt. Something about leaving you with him, since he does needs an arm candy. You can refuse - if you have money to pay out, of course. You don't. Looks like Vienna's criminal scene will finally open up to you.

[rafeyscurtainbangs]

Peach Part 1 of 2 (Rafe Cameron Two Shot) +18

+ 18 Minor DNI

CollegeStudent!Rafe x Ward’sSugarBaby!Reader

⭐️ republished ⭐️

+18 Minor DNI

📖 Rafe has a thing for his dad’s sugar baby (reader)

🪄 Warnings: somnophilia (lol), secluded yet public oral, cheating, swearing, degradation, name-calling, pet names, oral (fem. receiving), oral (male receiving), ownership kink, reader’s a sugar baby, rough sex, nipple play, choking, creampie, & cum play, no use of y/n but everyone refers to her as the pet name Peach, softish rafe but he’s kinda mean here and ther

✨ Fuck, she’s arm candy – the perfect little accessory for my old man. And he’s lovin’ every second of the attention he’s pullin’ from every ancient perv here. This has got to be some mind-numbing shit for her. She gives one of the old men a fake giggle, resting her small manicured hand on my dad’s breast pocket, her head softening on his shoulder. With that I feel a little spark in me… something I haven’t felt in a while. Jealousy? Maybe. Not for long at least. I pull my phone out of my pocket, sending an invitation. ✨

2K

Reader’s POV:

“I mean it is a little much for Midsommers, Peach, but I wouldn’t have it any other way.” Ward gives you a cheeky smile as he unwinds a little more on the dressing room couch, eyes combing over your curves from the reflection of the mirror. “I love dressing you up, princess. Love showing off my little doll around the fellas. Can you blame me? You’re flawless.” He winks and smiles as he lifts his champagne flute to his lips, taking a sip.

“Thank you. I love it,” you praise, running your hands down the delicate black satin, purposely running over the fullness of your breasts, guiding his focus off your eyes. “I think this will go really well with those black Jimmy Choo pumps you bought me.”

Ward smiles and shakes his head ‘no’ as he crosses his strong arms over his chest. “Do you think I’m going let you re-wear a pair of date night heels, baby? We need to buy you somethin’ new. You deserve it. Very sweet for you to be mindful of Daddy’s pocket,” he lauds as he taps the wallet tucked into the pocket of his designer blazer. “That’s just one of the many, many reasons you have my heart, sugar,” Ward mumbles as he rises to his feet, eyes trained on your body. “That, and the fact that I just can’t believe you’re mine,” he mumbles before his lips meet your neck, kissing gently as he works his way to your ear. “I love takin’ care of you.” You tip your head slightly, resting your cheek against his, the two of you matching each other’s gaze in the mirror.

“We look good together, Cameron,” you coo. He wraps his arms around you, kissing your bare shoulder before resting his chin on top.

“I’m the luckiest man in the world, Peach. This looks so pretty on you. You’re stunning. You probably need something just as pretty underneath. Don’t you agree?”

You nuzzle into his cheek, making him chuckle warmly. “You spoil me, daddy… Of course, I agree. Something pretty you can take off me later,” you flirt, just stoking the fire.

“Baby girl…” He gushes, the apples of his cheeks reddening.

“Sorry… I can’t help it.”

“No, baby. I love it. Oh, I booked a hair and nail appointment for you, so I won’t see you until you arrive. I have to be at the Island Club a little early. You can just catch a ride with Rafe. I’ll meet you at the car and we can walk in together. Alright?”

You fix your face, trying your best to seem unfazed by even the mere mention of his son’s name.

Rafe Cameron…

Truthfully, I was about to make my move during parents’ weekend. Then, I laid eyes on Ward. Rafe’s old man… handsome, sweet, thoughtful. It was too hard to pass up the chance to be taken care of. And, taken care of I was. Student loan debt canceled, school-year paid in cash, trips, lavish dinners, anything and everything his little Peach wants she gets. But even with all of that, I can’t help but be drawn to Rafe. I still get butterflies when he passes me on his way to class or when he looks my way in the library.

Even after I got with Ward I’d still try to finagle my way into staying on campus for the weekend so I could hit up a house party or bump into him at the bar. Ward made sure that didn’t happen, pleading with me to spend most of my free time at Tanneyhill. Ward is so sweet when he begs. And, how can I possibly deny the man cutting the checks?

“Peach? Is that okay? He seemed pretty happy about getting to know you a little better,” Ward smiles as he fixes the strap of your gown.

“No, Daddy. It’s perfect.”

You look down at the vanity, watching your phone buzz. Your heart skips a beat as you see his name written across it, causing the usual butterflies to swirl. How would this play out? What would Rafe say?

To the rest of the family I was just some girl; maybe someone Ward picked up at the country club or some overpriced boutique downtown. Sarah and Wheezie were too unbothered to care. How would Rafe take this? Would he even recognize me?

The buzzing stops, pulling you out of your daze as you watch the incoming call shift to missed. Shit. Headlights beam outside as Rafe’s large truck rolls up the drive just as your phone dings. Voicemail – Rafe Cameron You lift the phone to your ear, hearing that familiar voice.

“Uhh… Peach? It’s Ward’s son, Rafe. I’m out front if you’re ready to head out. Don’t know if you need a few more minutes or whatever. Just let me know.” BEEP. The message ends, the eldest Cameron’s tone short and uninterested. Maybe he knows who I am and truly doesn’t care.

You look down at your body, wrapped in a pretty pink robe; dress still hanging up in the corner of Ward’s room. It had been a long day of shopping and pampering, leaving you late. The muffled sound of Rafe’s truck door kickstarts your heart. You unfasten the bow around your waist, letting the material fall off your body and onto a puddle on the floor as you hustle toward your gown.

You step into the number, stumbling slightly; looping the delicate straps over your shoulders before smoothing out the front.

KNOCK. KNOCK.

“Umm… One second, Rafe,” you call.

“Of course.” You hear his deep voice in person, making you suck in a nervous breath. Reaching behind your back you struggle for the zipper, craning your wrist to get it to close. “Uhh… You need some help in there?” Rafe asks, making your eyes widen as you stand in front of the mirror again, looking back at yourself dumbly.

Of course, I want his help. I’m sure if I struggle a little more I could get it to word. But do I want to?

“Rafe,” you call out his name, voice broken with nervousness. “I could use your help.”

Rafe’s POV:

What the actual fuck. I stand behind her, eyes falling down the length of her bare back to her open zipper. Nothing but soft skin and satin; the small zipper resting just below her g-string. I’ve gotta move slowly. No way I could step out from behind her like this. My hard-on pushes against my dress pants, straining the zipper. I let my fingers trail her skin ever so slightly, tugging the material together reluctantly before pulling it closed.

I had no idea it was going to be her when she accepted my offer… Lucky me.

“How are you, sweetheart,” I mumble from behind her, catching her gaze in the mirror.

“Umm… I’m good. How are you?” She asks sweetly.

“Great. I’m fine,” I hum, not moving from my place behind her, ambling a little closer. I can’t fucking help myself. Her lashes flutter at the closeness between the two of us. “Just came from campus.”

“Yeah? Umm… We go to the same school,” she starts, like I wasn’t painfully aware.

“Yeah. Yeah, we do. I know exactly who you are. And you and my dad are-”

“Dating?” She answers, her calm demeanor veiling her shame, just a sliver of it still peeking through. “No. We’re friends? Companions… I-”

I let out a raspy chuckle, saving her the strain as she flounder in front of me, panic painting her beautiful face. “Nah, Peach. I understand,” I smirk. She lifts her eyebrow, letting out an airy laugh herself. “He’s battin’ way out of his league with you. I must say.”

I lean in a little closer, letting the warmth of my voice fan across the column of her neck, making her head fall back slightly as she tilts closer. My large hands rest on her hips, all my primal urges pushing me to bend her over, hands on the glass, dress around her hips, my fat cock fucking in and out as I watch her go absolutely dumb on my dick. But I resist.

Why the fuck are you with Ward? You’re too beautiful… You’re only wasting your time with my old man. What is he givin’ you that I can’t? Money? Is that what you’re after, babydoll?

Good thing I have that too.

“Nice to see you, man,” Kelce smiles as he pulls me in for a half-hug, cutting off my view of her. I pull him to the side, giving me the perfect sightline.

Fuck, she’s arm candy – the perfect little accessory for my old man. And he’s lovin’ every second of the attention he’s pullin’ from every ancient perv here. This has got to be some mind-numbing shit for her. She gives one of the old men a fake giggle, resting her small manicured hand on my dad’s breast pocket, her head softening on his shoulder. With that I feel a little spark in me… something I haven’t felt in a while. Jealousy? Maybe. Not for long at least. I pull my phone out of my pocket, sending an invitation.

She looks down, eyeing her clutch as she feels the rumble of her phone. Her eyes lift, catching mine like she knows exactly what’s to come, without seeing the message at all. I give her a knowing nod as I stroll away.

In a room full of people she knows just where I am. She’s got her eye on me. Atta girl.

Reader’s POV

Well… if there was any question if that text was from Rafe or not that nod answered my question. My excitement leaves a steady pulse between my thighs as I try my best to act normally. He’s trying to get me alone.

“I’m going to run to the restroom,” you whisper in Ward’s ear, kissing him gently on the cheek before wiping some sparkly gloss off his stubble. He gives you a little pat on your bum and a wink.

“Gonna finish up this conversation, Peach, and I’ll find you. M’Kay?” He hums. “15 minutes tops.”

“Of course,” you smile, nodding quickly before excusing yourself, nabbing out your phone as you step toward where Rafe was headed, rushing to read what he had to say.

Holy shit.

Your phone glows as you reread the text messages sent by Rafe wandering down the hallway as you take in each word, considering your options. Am I doing this? Should I turn him down? Let him know he read this all wrong? That he’s overstepping-

“There she is,” you hear his low voice from behind you. His large hand wraps around your arm, tugging you back fast, pulling you into the dark room before slamming the lock shut.

“Rafe?” You gasp just as his lips collide with yours, the two of you running high on adrenaline; teeth clashing, tongues rolling. Your long nails scratch through the hair at the nape of his neck, making him moan into your kiss as he backs you against the wooden door.

“Didn’t even take any convincing to get you back here, baby girl. What do you have to say for yourself?” He mumbles against your lips as he paws for the bottom of your dress, bunching it up higher and higher.

“Rafe. I-”

“Doesn’t fuckin’ matter, princess. You want me. I need you. Bet you’re so fuckin’ wet for me. You gonna let me check?” He rasps, catching your moans between his lips.

“Y-Yeah.”

“Tell me, baby. Tell me what you want,” he taunts as his lips brush yours, his rough fingers grazing the soaked spot on your panties.

“I want you, Rafe. I want your… Fuck. I want your fingers,” you whimper, starting small, knowing full-well he’ll talk you into more; just making yourself feel less guilty about the whole ordeal by asking for the bare minimum like that even matters.

“Just my fingers. Huh?” He teases. Not buying the angelic ruse for a moment. “You don’t want my lips, doll? You don’t need my cock?”

“Shit,” you whine as your legs draw together; his filthy words fillling you ear, drunk off the taste of his lips, just thinking about more. Rafe grips your thighs, opening you up further before pressing his fingers against your sex. Your head falls back, knocking softly against the door as a drawn-out moan tumbles from your lips.

“Did that get you a little excited?” He chuckles, darkly against your neck, licking and nipping at that special spot that has you whimpering like a pathetic slut.

“Yeah.”

“Yeah, what?”

“I got excited, Rafe… I haven’t stopped thinking about you,” you whisper.

“Mhmm… Haven’t stopped thinking about me and my fingers?” He bullies as he lifts you into his arms. You wrap yours around his neck, lessening the space between you further, your wetness surely transferring onto his white button-down as your legs wrap around his trim waist.

“Yeah,” you stammer, making Rafe suck his teeth and smile against your mouth.

“Stop trying to be a good girl, princess. I know what you are,” he growls. Your heart falls, breaking slightly as he hits you with the truth; Rafe opening his mouth before you can even defend yourself. “You want money… I want you. I can take care of you in more ways than one. I promise that. Got more money than him. I’m a better fuck. Let me prove it to you, angel. I know you’re a slut for cash alright. So am I. The game sees the game alright? But, you probably need proof… Let me fuck this pretty pussy, ma. Show you how much better off you’ll be with me. I wanna be your daddy. Aight? Not him. Not Ward. Rafe.”

You draw a deep breath, head spinning as he lays you back on the locker room couch. You claw for him, desperate for Rafe’s lips on you again. Rafe rips away your little lace panties, spreading your thighs before eyeing your glistening slit with a hungry groan. “Tell me what you want. You can speak. Can’t you?” He snaps impatiently as you fumble over your words. “Words.”

“You-”

“Fuck it. I can’t wait – need your pussy.”

“S-Shit,” you whine. “Just – Just your fingers Rafe…” He brushes your dripping folds with his thick digits, gathering your essence before stuffing them in his mouth, sucking them clean as his eyes roll back. “Let me eat you, baby. C’mon,” he pleads. You watch him wet his bottom lip, savoring the taste of whatever’s left of you.

“Damnit, Rafe. Your lips too… Fuck. Hurry. Your dad’s meeting me soon.”

“Little now. Little later,” he huffs as his strong arms loop around your thighs, pulling you closer than before, lowering you onto the cushion. Rafe’s gaze stays on yours as his lips latch on your clit, sucking and brushing his tongue from side to side.

He moans against your cunt as his fingers toy with your entrance, teasing you with the chilled ridges of his gold ring. Your thighs tremble, tightening around him. “Enough of that,” he slurs, spreading your legs wider, sucking and finger-fucking you with a little more muscle. “Can’t wait for you to suck my cock. Can’t wait to get you off,“ he mumbles against your heat. You look toward the door, watching a shadow pass underneath. The music blares from behind it. Is it loud enough? You sink your teeth into your bottom lip, holding back your cries of pleasure.

“You taste like heaven, honey,” he pants, bumping his nose against your clit as his tongue dips into your hole. Rafe grabs your legs, slinging them over his broad shoulders, getting even closer. He laps at your pussy, devouring you. Rafe breathes deeply, taking in your scent, eyes shutting softly, the vibration of a moan felt against your cunt. He takes your clit in his mouth sucking hard, making you cry out, spiked heels digging into his strong back as you buck your hips.

“Fuck, Rafe. M’right there,” you blubber. You reach for your dress straps, tugging down the top, letting your tits bounce free. Your hands instantly draw up to your chest, clutching and pushing them together. Rafe bites down on your swollen clit, making you toss your head back. Strangled cries spills from your lips. Your hands drop down, weaving into his blonde fringe giving it a rough tug as you grind your pussy on his face, feeling yourself wavering on the edge of bliss.

“Peach?” You hear Ward call from outside the door, making your eyes double in horror. Rafe doesn’t stop, increasing his pace even. His eyes flick to yours, solidifying the evident. He wants Ward to hear. Your hand clamps over your mouth, muffling your cries. Rafe reaches up, snatching your wrist as your body betrays you, eyes screwing shut at you cum on Rafe’s tongue, white-hot pleasure coursing through your veins.

Rafe works you through your orgasm, waiting until you’re fully relaxed to release you with a panting breath. His mouth greets yours in a passionate kiss, cupping your breasts in his large hands. He pinches and rolls your nipples between his rough fingers before sucking down; trailing sweet kisses causing you to mewl.

“You’re mine,” Rafe whispers, nestling himself into your neck.

“Not… Fuck. Rafe, I’m not.”

“You are. Stop lyin’, princess. You know you are,” he subsists as he matches your eyes. “Lie to me and tell me that wasn’t the best you’ve ever had. I didn’t even use my dick, baby. Imagine what I could do. Huh? I know my old man isn’t doin’ any of this shit better than me.” You fight for air, looking away for a moment before he grabs your chin, demanding your focus. “Fuckin’ talk to me. Use those pretty little words that you’re holdin’ back. Enough with the games. It was painfully easy to get you in here. I know what you want-”

“Rafe… I don’t know-” Your phone vibrates, stealing your attention as well as Rafe’s as you watch back-to-back text messages come in from Ward.

Part 2

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