{"id":111170,"date":"2023-08-17T12:04:00","date_gmt":"2023-08-17T16:04:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=111170"},"modified":"2023-08-24T15:27:21","modified_gmt":"2023-08-24T19:27:21","slug":"types-of-lenders","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/","title":{"rendered":"The 3 Types of Lenders That’ll Help First-Time Investors"},"content":{"rendered":"\n

What types of lenders will help you finance an investment property? What’s the process of obtaining a loan?<\/p>\n\n\n\n

If you don’t have the cash on hand to buy properties outright, Brandon Turner states it’s essential to understand your leverage options. In The Book on Rental Property Investing<\/em>, he examines three specific lender types: conventional, portfolio, and private.<\/p>\n\n\n\n

Keep reading to learn more about these types of lenders and how to get a loan.<\/p>\n\n\n\n\n\n\n\n

1. Conventional Lending <\/strong><\/h2>\n\n\n\n

Turner explains that you can acquire a conventional loan by going to a few types of lenders, such as a bank or credit union. These loans tend to be stable and trustworthy. They also provide longer terms and lower interest rates than most other options, giving you longer to pay the loan back. <\/p>\n\n\n\n

However, conventional loans have strict application criteria, including minimum buyer credit scores and conditions around how much you can borrow. These criteria exist because many lenders bundle together mortgages they\u2019ve approved and sell them to governmentally-backed organizations. These organizations want to reduce their risk and ensure the loans they buy are paid back\u2014therefore, they require the lenders to set strict lending criteria. <\/p>\n\n\n\n

(Shortform note: Conventional lenders often have stringent lending criteria for rental property investment<\/a> loans specifically\u2014usually more than on loans for residential purchases. This is due to the very fact that the borrower will be renting out the property rather than living there<\/a>. To the lender, this raises the fear that, should the investment not pan out, there\u2019s less incentive<\/a> for the borrower to follow through with the terms of the loan than if the property were their actual home.)<\/p>\n\n\n\n

2. Portfolio Lenders <\/strong><\/h2>\n\n\n\n

According to Turner, portfolio lenders can be the same institutions as conventional lenders, such as banks or credit unions\u2014but not always. They curate their own loans rather than selling them on to government organizations. This means less stringent oversight of the loans, making it easier to qualify for one (as long as you have good credit). Also, you\u2019re more likely to secure more simultaneous mortgages with a portfolio lender and their eased restrictions, allowing you to build your rental property empire. <\/p>\n\n\n\n

However, loans from portfolio lenders can have shorter terms, giving you less time to pay off both the principal and interest. Further, the lenders may be harder to find\u2014some don\u2019t even use the term \u201cportfolio,\u201d so you may have to hunt them down.<\/p>\n\n\n\n

3. Private Lenders<\/strong><\/h2>\n\n\n\n

Turner points out that private lenders can offer terms freer of the restrictions conventional lenders demand. These loans are especially useful if you\u2019re interested in purchasing a property that needs a lot of work, something that usually dissuades conventional lenders from getting on board. Armed with the private lender’s investment, you can fix up the property, refinance the mortgage with a bank later on, and pay back the initial private lender in full. The short-term quality of these loans often allows the lender to ask for a higher interest rate to make their investment worthwhile.<\/p>\n\n\n\n

(Shortform note: Because, as Turner indicates, many private loans are intended for the short-term renovation of a property and lead to eventual refinancing, you\u2019ll sometimes see these referred to as \u201cbridge loans.\u201d<\/a> As the name suggests, they\u2019re intended to get you from one point to another, not be an end in themselves. Current industry standards for bridge loans see most lenders fronting the entire value of the property and 90% of the renovation costs. Some experts warn that if a lender offers you the full 100% of the latter, that\u2019s a warning sign that their professionalism may be suspect, and you should further investigate their credentials.)<\/p>\n\n\n\n

Tips for Securing a Loan<\/strong><\/h2>\n\n\n\n

Turner insists that one of the fundamentals for obtaining a loan is understanding how a lender (in other words, a banker or underwriter) thinks. Most importantly, know that despite how many denials people receive, lenders need<\/em> to lend money to survive. In other words, they have to approve some <\/em>loan applications. If you decrease their sense of risk, they’re more likely to approve you. Therefore, do everything you can to diminish that initial sense of risk. <\/strong><\/p>\n\n\n\n

(Shortform note: One way to play to lenders\u2019 risk-averse preferences is to know their most common pain points. This often means avoiding behaviors that disrupt their process<\/a>. A common \u201cred flag behavior\u201d lenders cite is when would-be borrowers try to apply a loan they received from family or friends to their down payment, which is usually against financial regulations. Another is making sudden changes to your financial situation in the process of seeking the loan, such as accepting a job offer or a considerable pay increase<\/a>. Whenever possible, delay these activities until after closing on your new property to keep the process smooth and orderly for your lender.)<\/p>\n\n\n\n

Turner adds that lenders want to know if you have enough financial stability to take on the debt. So, have proof of things like cash reserves, insurance, and your (preferably high) credit score prepared before you speak to one. Also, lenders are concerned by many of the same property characteristics you are, such as condition, type, and location. Therefore, strive to make these features look as attractive and problem-free as possible for initial inspections. <\/p>\n","protected":false},"excerpt":{"rendered":"

What types of lenders will help you finance an investment property? What’s the process of obtaining a loan? If you don’t have the cash on hand to buy properties outright, Brandon Turner states it’s essential to understand your leverage options. In The Book on Rental Property Investing, he examines three specific lender types: conventional, portfolio, and private. Keep reading to learn more about these types of lenders and how to get a loan.<\/p>\n","protected":false},"author":14,"featured_media":70642,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[81,31],"tags":[1242],"class_list":["post-111170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics","category-money","tag-the-book-on-rental-property-investing","","tg-column-two"],"yoast_head":"\nThe 3 Types of Lenders That'll Help First-Time Investors - Shortform Books<\/title>\n<meta name=\"description\" content=\"Are you investing in a rental property for the first time? You'll likely need a loan. Here we break down the types of lenders who'll help.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 3 Types of Lenders That'll Help First-Time Investors\" \/>\n<meta property=\"og:description\" content=\"Are you investing in a rental property for the first time? You'll likely need a loan. Here we break down the types of lenders who'll help.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-17T16:04:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-24T19:27:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Katie Doll\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Katie Doll\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\"},\"author\":{\"name\":\"Katie Doll\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/c3e1b539e89423b544ede91ab2bff937\"},\"headline\":\"The 3 Types of Lenders That’ll Help First-Time Investors\",\"datePublished\":\"2023-08-17T16:04:00+00:00\",\"dateModified\":\"2023-08-24T19:27:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\"},\"wordCount\":892,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg\",\"keywords\":[\"The Book on Rental Property Investing\"],\"articleSection\":[\"Economics\",\"Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\",\"name\":\"The 3 Types of Lenders That'll Help First-Time Investors - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg\",\"datePublished\":\"2023-08-17T16:04:00+00:00\",\"dateModified\":\"2023-08-24T19:27:21+00:00\",\"description\":\"Are you investing in a rental property for the first time? You'll likely need a loan. Here we break down the types of lenders who'll help.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage\",\"url\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg\",\"contentUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.shortform.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The 3 Types of Lenders That’ll Help First-Time Investors\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\",\"url\":\"https:\/\/www.shortform.com\/blog\/\",\"name\":\"Shortform Books\",\"description\":\"The World's Best Book Summaries\",\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.shortform.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\",\"name\":\"Shortform Books\",\"url\":\"https:\/\/www.shortform.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png\",\"contentUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png\",\"width\":500,\"height\":74,\"caption\":\"Shortform Books\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/c3e1b539e89423b544ede91ab2bff937\",\"name\":\"Katie Doll\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6239731a3fc739640b80be30f2b1727a055d3535d0ee4569e8282faa323e47fc?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6239731a3fc739640b80be30f2b1727a055d3535d0ee4569e8282faa323e47fc?s=96&d=mm&r=g\",\"caption\":\"Katie Doll\"},\"description\":\"Somehow, Katie was able to pull off her childhood dream of creating a career around books after graduating with a degree in English and a concentration in Creative Writing. Her preferred genre of books has changed drastically over the years, from fantasy\/dystopian young-adult to moving novels and non-fiction books on the human experience. Katie especially enjoys reading and writing about all things television, good and bad.\",\"knowsAbout\":[\"Bachelor of Arts in English With a Concentration in Creative Writing\"],\"jobTitle\":\"Senior SEO Writer\",\"worksFor\":\"Shortform\",\"url\":\"https:\/\/www.shortform.com\/blog\/author\/katie\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"The 3 Types of Lenders That'll Help First-Time Investors - Shortform Books","description":"Are you investing in a rental property for the first time? You'll likely need a loan. Here we break down the types of lenders who'll help.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/","og_locale":"en_US","og_type":"article","og_title":"The 3 Types of Lenders That'll Help First-Time Investors","og_description":"Are you investing in a rental property for the first time? You'll likely need a loan. Here we break down the types of lenders who'll help.","og_url":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/","og_site_name":"Shortform Books","article_published_time":"2023-08-17T16:04:00+00:00","article_modified_time":"2023-08-24T19:27:21+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg","type":"image\/jpeg"}],"author":"Katie Doll","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Katie Doll","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#article","isPartOf":{"@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/"},"author":{"name":"Katie Doll","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/c3e1b539e89423b544ede91ab2bff937"},"headline":"The 3 Types of Lenders That’ll Help First-Time Investors","datePublished":"2023-08-17T16:04:00+00:00","dateModified":"2023-08-24T19:27:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/"},"wordCount":892,"commentCount":0,"publisher":{"@id":"https:\/\/www.shortform.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage"},"thumbnailUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg","keywords":["The Book on Rental Property Investing"],"articleSection":["Economics","Money"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.shortform.com\/blog\/types-of-lenders\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/","url":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/","name":"The 3 Types of Lenders That'll Help First-Time Investors - Shortform Books","isPartOf":{"@id":"https:\/\/www.shortform.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage"},"image":{"@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage"},"thumbnailUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg","datePublished":"2023-08-17T16:04:00+00:00","dateModified":"2023-08-24T19:27:21+00:00","description":"Are you investing in a rental property for the first time? You'll likely need a loan. Here we break down the types of lenders who'll help.","breadcrumb":{"@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.shortform.com\/blog\/types-of-lenders\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#primaryimage","url":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg","contentUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/www.shortform.com\/blog\/types-of-lenders\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.shortform.com\/blog\/"},{"@type":"ListItem","position":2,"name":"The 3 Types of Lenders That’ll Help First-Time Investors"}]},{"@type":"WebSite","@id":"https:\/\/www.shortform.com\/blog\/#website","url":"https:\/\/www.shortform.com\/blog\/","name":"Shortform Books","description":"The World's Best Book Summaries","publisher":{"@id":"https:\/\/www.shortform.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.shortform.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.shortform.com\/blog\/#organization","name":"Shortform Books","url":"https:\/\/www.shortform.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png","contentUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png","width":500,"height":74,"caption":"Shortform Books"},"image":{"@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/c3e1b539e89423b544ede91ab2bff937","name":"Katie Doll","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6239731a3fc739640b80be30f2b1727a055d3535d0ee4569e8282faa323e47fc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6239731a3fc739640b80be30f2b1727a055d3535d0ee4569e8282faa323e47fc?s=96&d=mm&r=g","caption":"Katie Doll"},"description":"Somehow, Katie was able to pull off her childhood dream of creating a career around books after graduating with a degree in English and a concentration in Creative Writing. Her preferred genre of books has changed drastically over the years, from fantasy\/dystopian young-adult to moving novels and non-fiction books on the human experience. Katie especially enjoys reading and writing about all things television, good and bad.","knowsAbout":["Bachelor of Arts in English With a Concentration in Creative Writing"],"jobTitle":"Senior SEO Writer","worksFor":"Shortform","url":"https:\/\/www.shortform.com\/blog\/author\/katie\/"}]}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2022\/07\/old-man-retirement-money-finances.jpg","_links":{"self":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts\/111170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/comments?post=111170"}],"version-history":[{"count":6,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts\/111170\/revisions"}],"predecessor-version":[{"id":111541,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts\/111170\/revisions\/111541"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/media\/70642"}],"wp:attachment":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/media?parent=111170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/categories?post=111170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/tags?post=111170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}