Everything you need to know about hard money loans and how we work with real estate investors.
Speed and simplicity. Traditional banks can take 30-45 days (or longer) to close a loan, and they focus heavily on your personal credit, income, and employment history. Hard money loans close in days, not weeks—typically 7-10 days from application to funding.
We focus on the property's value and your project's viability, not just your credit score or W-2. If you're buying a distressed property that needs rehab, most banks won't touch it. We specialize in exactly those deals.
Bottom line: If you need to move fast on a deal, can't get traditional financing, or are working with a property banks won't fund, hard money is often your best (or only) option.
Yes, hard money loans have higher interest rates and fees than traditional mortgages—but they're short-term bridge loans, not 30-year mortgages. You're paying for speed, flexibility, and access to deals that banks won't fund.
Here's the math: If you pay 13% interest for 6 months on a $150,000 loan, that's about $9,750 in interest. But if that loan lets you buy a property for $100,000, rehab it for $50,000, and sell it for $200,000, you've made a $40,000+ profit. The loan cost is a small percentage of your total profit.
Think of it this way: Missing a great deal because you couldn't get financing fast enough costs you far more than the interest on a hard money loan. Time is money in real estate investing.
Hard money loans are ideal for real estate investors working on fix-and-flip projects, property renovations, or time-sensitive acquisitions. Specifically:
Not right for: Owner-occupied homes, long-term buy-and-hold rentals, or borrowers who can easily qualify for traditional financing and don't need speed.
With all documents ready and a straightforward deal, we can close in 7-10 days. In urgent situations, we've closed deals in as little as 3-5 days.
The timeline depends on:
Our commitment: Once we approve your loan, we'll give you a clear timeline and stick to it. No last-minute surprises or delays.
Possibly. We care more about the property's value and your project plan than your credit score. That said, we do run credit checks and background checks as part of our underwriting process.
We look at:
Credit issues we can work with: Past bankruptcies (discharged), previous foreclosures, self-employment income, high debt-to-income ratios. Red flags: Recent fraud, active litigation, or unpaid contractor liens.
Asset-based lending means the loan is secured by the real estate itself, not your personal income or credit score. We evaluate the property's current value (as-is) and its future value after repairs (ARV—after-repair value).
We lend based on these ratios:
This protects both of us: You get the funding you need, and we ensure there's enough equity in the property to cover the loan if something goes wrong. The property is the collateral—that's why we can move fast and be flexible on credit requirements.
First, communicate with us early. If your project is taking longer than expected but you're making progress, we can often work with you on an extension or modified terms.
Most borrowers repay by:
Our approach: We want you to succeed. That's why we carefully underwrite your exit strategy before approving the loan. If your plan is realistic and you communicate openly, we'll work with you to find a solution.
No minimum credit score. We don't have an arbitrary cutoff. While we do review credit as part of our underwriting process, we focus more on the property's value, your project plan, and your ability to execute.
No minimum loan amount. Our typical range is $50,000 to $300,000, but we've done smaller deals when the property and plan make sense. If you have a solid project that doesn't fit traditional lending criteria, let's talk.
Every deal is different. The terms on our Terms page are guidelines, not rigid rules. We work with you to structure financing that fits your specific situation—whether that means adjusting timelines, using cross-collateral to reduce upfront cash, or finding creative solutions for unconventional deals.
No. Everyone starts somewhere, and I'm open to working with new investors who have a solid deal and realistic expectations. What matters more than past experience is that you've done your homework—you understand the property, the market, your renovation budget, and your exit strategy.
That said, my goal is to build long-term relationships with operators who do this regularly. If you're serious about fix-and-flip investing and plan to do multiple deals, I want to be your funding partner—not just for this project, but for the next five, ten, or twenty.
First-time investors: I'll work with you, but expect more questions and possibly more conservative loan terms until we've established trust. Repeat borrowers: You'll find the process gets easier, faster, and more flexible with each successful deal.
The best way to find out is to submit a quick quote request. We'll review your deal and give you an answer within 24-48 hours. No obligation, no hard credit pull at this stage.
Strong deals typically have:
Not sure? Just ask. We review dozens of deals every week and can quickly tell you if we're a good fit. No games, no time-wasting—just a straight answer.
Still have questions? We're here to help.