⚡ Fast Financing
Hard Money Loans
🔒 Secure · No Obligation
Why This Loan
Hard Money Loans
Hard money loans are asset-based loans often used when speed and flexibility are especially important. These loans are commonly considered by borrowers who need short-term financing for real estate transactions.
They are often useful for investors, property renovations, fix-and-flip projects, bridge financing, or situations where a traditional loan may not be the best fit. Hard money financing is typically centered more on the value and potential of the property than on long-term conventional underwriting.
For borrowers who need a fast-moving funding option for a real estate opportunity, hard money loans can be an effective tool.
Quick Overview
Best for: Fix-and-flip investors, developers, borrowers needing bridge financing
Common use: Short-term property financing, renovations, bridge loans
Property value and condition are primary qualifiers
Exit strategy required (sell, refinance, or rent)
Why This Loan
Key Benefits
Speed
Hard money loans can close in days rather than weeks — critical for competitive investment opportunities.
As-Is Properties
Finance properties that conventional lenders won't touch due to condition, distress, or non-standard situations.
Fix & Flip Ready
Purpose-built for renovators. Get funding based on after-repair value (ARV) of the property.
Bridge Financing
Temporary financing to bridge the gap between buying a new property and selling an existing one.
Less Documentation
Focus is on property value and exit strategy — less emphasis on borrower income documentation than traditional loans.
Flexible Terms
Private lenders offer flexible structuring based on your specific project and exit timeline.
Qualifying
Qualification OverView
General Requirements
Property value and condition are primary qualifiers
Exit strategy required (sell, refinance, or rent)
Experience as a real estate investor is viewed favorably
Some minimum credit requirements may apply per lender
Final qualification is determined by individual lenders. Requirements vary. This is for informational purposes only.
Typical Documentation
Property details and purchase contract
Renovation scope and budget (for fix-and-flip)
Exit strategy documentation
Proof of sufficient cash reserves for renovation
Documentation requirements vary by lender and loan program. Your matched lender will provide a specific list.
See if this loan fits your scenario
FAQ
Hard Money
Questions
Hard money rates are typically higher than conventional loans, ranging from 8-15%+ depending on the lender, property, borrower experience, and market. The tradeoff is speed and flexibility.
Many hard money lenders can close in 3-10 business days. Some can close even faster for established borrowers with complete documentation.
ARV stands for After-Repair Value — the estimated value of the property after renovations are complete. Hard money lenders often lend a percentage of ARV to ensure the property covers the loan in a worst-case scenario.
Not exclusively, but experience helps. First-time investors can qualify but may face stricter LTV requirements or need to show a strong exit strategy and solid comparable sales for the property.