Hard Money Loans

What is Hard Money Lending?

Hard money loans are private loans secured by real estate collateral rather than borrower creditworthiness. Unlike traditional bank financing, these loans focus primarily on the property's value and potential. These specialized loans serve as powerful tools for real estate investors looking to move quickly on opportunities that traditional lenders might miss or take too long to approve

Two-story white house with scaffolding around it during renovation or construction, set in late afternoon light, with leafless trees in the background.

Fix and Flip Loans

Fix and flip hard money loans provide short-term financing for investors to purchase, renovate, and quickly resell properties for profit. We offer fast approvals, competitive terms, and expert guidance—helping you secure the capital you need to maximize your flip’s potential. From acquisition to rehab funding, we’re your trusted partner for turning distressed properties into profitable investments. 

Terms

  • Interest Rates 9%-12.75%

  • Loan to Cost: Up to 96%

  • Loan to Purchase Price: 75%-95%

  • Rehab: 100%

  • Credit Score: 550+

  • Closing timeline: 2 Days to 2 Weeks

A miniature house model with a set of keys and a keychain on a wooden surface.

DSCR Loans

DSCR hard money lending provides financing based on a property's cash flow potential rather than the borrower's personal income. We specialize in fast, asset-based loans for investment properties, using the Debt Service Coverage Ratio (DSCR) to qualify deals quickly. Whether you're acquiring or refinancing rental properties, our streamlined process and competitive terms help investors secure the capital they need to grow their portfolios.

Terms

  • Interest Rates 6%-11%

  • Loan to Cost: 85%

  • Loan to value: 80%

  • Term timeline: 10,15,30, and 40 years