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Fast, Asset-Based Lending with Minimal Documentation
Unlike traditional mortgages, Private and Hard Money Loans are primarily based on property value, not borrower financials.
Loan Amount Based on Property Value (LTV) – Not your income or credit
Fast Closings – Funding in Days, Not Weeks – Great for time-sensitive deals
Short-Term Loan (Typically 6-24 Months) – Ideal for fix-and-flips and bridge financing
Higher Interest Rates Compared to Conventional Loans – Reflecting the short-term risk
Minimal Documentation Needed – No tax returns or income verification required
Designed for Real Estate Investors & Borrowers Needing Fast Capital
These loans are best suited for real estate professionals, investors, and those needing short-term financing.
Fix & Flip Investors – Purchase, renovate, and sell properties for profit
Real Estate Developers – Fund land purchases or new construction projects
Buyers in Competitive Markets – Close fast with all-cash offers
Bridge Loan Borrowers – Short-term funding while waiting for long-term financing
Borrowers with Unique Financial Situations – No need for income documentation
Speed & Flexibility for Investors and Short-Term Borrowers
Private and Hard Money Loans provide fast, flexible solutions that work when traditional loans aren’t an option.
Quick Closings – Get funded in days, not weeks
No Income or Credit Score Requirements – Approval based on property equity
Short-Term Bridge Financing – Ideal for fix-and-flip projects & investment purchases
Creative Financing Options – Perfect for unconventional real estate deals
Available for Various Property Types – Residential, commercial, and mixed-use properties
What Is a Hard Money Loan?
A Hard Money Loan is a short-term, asset-based loan used primarily by real estate investors and business borrowerswho need fast financing for investment properties. Unlike traditional loans, hard money loans focus more on the property’s value rather than the borrower’s income or credit history.
What Are the Benefits of a Hard Money Loan?
Fast approvals & closings – Funding in as little as 5-10 days
Minimal credit requirements – Focuses on property equity & deal potential
Flexible terms – Loan structures tailored to investor needs
No personal income verification – Qualifies based on property value & exit strategy
Available for fix & flips, bridge loans, and cash-out refinances
Who Qualifies for a Hard Money Loan?
Real estate investors purchasing or rehabbing properties
Flippers & landlords looking for short-term financing
Borrowers with low credit scores or no W-2 income
Investors buying undervalued properties with a strong exit strategy
LLCs, corporations, and trusts (not for primary residences)
How Does a Hard Money Loan Work?
Step-by-Step Process:
Pre-Approval – Submit property details & investment plan
Property Evaluation – Lender assesses loan-to-value (LTV) & after-repair value (ARV)
Loan Approval & Funding – Get financing in as little as 5-10 days
Project Execution – Investors renovate, flip, or refinance the property
Exit Strategy – Sell for profit or refinance into a long-term loan
What Are the Loan Terms for Hard Money Loans?
Loan Term: 6-24 months (short-term financing)
Loan-to-Value (LTV): Up to 75% of property value
Loan-to-Cost (LTC): Up to 85% of purchase price + 100% of rehab costs
Interest Rates: Typically 8-14% with interest-only payments
Points (Origination Fees): 1-4% of the loan amount
Closing Time: 5-10 days
What’s the Difference Between Hard Money & Traditional Loans?
Hard Money Loan:
Short-term financing (6-24 months)
Asset-based (loan approval based on property value)
Higher interest rates but fast closings
No personal income verification required
Traditional Mortgage:
Long-term financing (15-30 years)
Income & credit-based approval
Lower interest rates but longer approval times
Extensive documentation required
Can First-Time Investors Get a Hard Money Loan?
Yes, but first-time investors may need:
A higher down payment (closer to 25-30%)
A well-planned exit strategy (flip, refinance, or rental income)
A strong investment property (low purchase price & high ARV)
Experienced contractors or mentors to guide the process
How Do Interest Rates Work for Hard Money Loans?
Interest rates are based on:
• Loan-to-value ratio (LTV)
• Property type & condition
• Borrower experience level
• Market conditions
Typical range: 8-14% interest-only payments
Origination fees: 1-4 points upfront
What Are the Appraisal & Inspection Requirements?
Property Appraisal: Most hard money lenders require an appraisal based on:
“As-is” value (current market value)
After-repair value (ARV) – Future value after renovations
Construction Draw Inspections: If rehab funds are included, the lender may release them in phases (draws) after inspecting completed work.
What Insurance & Title Requirements Apply to Hard Money Loans?
Property Insurance: Required for fire, damage, and liability protection
Builder’s Risk Insurance: Recommended for major renovations
Flood Insurance: Required if property is in a high-risk zone
Title & Vesting: Must be owned by an LLC, corporation, or trust (most lenders do not lend to individuals)