Hard Money

A hard money loan is a short-term, asset-based loan used by real estate investors to finance property acquisitions, renovations, or development projects. Hard money loans are secured by the property itself rather than the borrower’s personal income.

A Fast & Flexible Financing Solution for Real Estate Investors

A hard money loan is a short-term, asset-based loan used by real estate investors to finance property acquisitions, renovations, or development projects. Unlike traditional bank loans, hard money loans are secured by the property itself rather than the borrower’s personal income.

Portfolio lending

Key Features of Hard Money Loans

Short-Term Financing

Typically 6 months to 2 years.

Fast Approval & Funding

Loans can be approved in a few weeks, not months.

Asset-Based Lending

Loan approval is based on the property’s value, rehab amount, and after repair value. (LTV and ARV).

Flexible Loan Terms

Tailored to investment needs, unlike traditional bank loans.

Why Real Estate Investors Use Hard Money Loans

Cash Out Refinance
  • Fix-and-Flip Projects – Purchase distressed properties, renovate, and sell for profit.
  • BRRRR Strategy (Buy, Rehab, Rent, Refinance, Repeat) – Fund initial purchases and rehabs before refinancing.

How to Qualify for a Hard Money Loan

Property Value & Equity

Loan-to-Value (LTV), After-Repair Value (ARV), Property Purchase Price, & Rehab Amount matters.

Exit Strategy

 Investors should have a clear plan to sell, refinance, or rent the property.

Experience Level

 Loan options available for new and experienced real estate investors.

Proven Success. Real Growth. Investor Stories.

Success Stories from BRRRR Cash Clients

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REALTOR MICHAEL JAMES profile picture
REALTOR MICHAEL JAMES
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Owen was excellent in every way. He got us rates and terms in a few hours and got my client to closing in 7 days. It was an amazing experience for me and my Investors.
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Tramar Meytra profile picture
Tramar Meytra
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Owen made this process go very smoothly. Closing in 16 days!! Wow! I am so impressed and happy things went smoothly and quickly. I'll be back for the next deal for sure. Thanks for a great experience!
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Ellis G Foster Jr. profile picture
Ellis G Foster Jr.
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Owen was extremely knowledgeable during my loan process and provided problem solving solutions to help me get the deal done not only would I use him again I would recommend to other investors within my business community
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Joshua White profile picture
Joshua White
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I want to thank Owen Dublin for his incredible support throughout the transaction. He was precise on with his time management regrading paperwork and has a substantial amount of knowledge that was essential to helping me with my specific deal. As a point man he is exceptionally structured which is imperative to this type of business. I’m inclined to bring more work to him and his team. Best regards Mr. White
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G G
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Professionalism personified...
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Emely rulenny Nuñez profile picture
Emely rulenny Nuñez
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I had a satisfying experience with BRRRR CASH LLC, recently I bought a 5 unit property and the process was successfully done, Owen who represented me was super patient and professional and helped me too much with the process. I will definitely consider work with them more times, 10/10, thank you for be part of my new goals.
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Rodger Cole profile picture
Rodger Cole
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Was very helpful in the process in guiding me on what to do n helping me closing as quick as possible and also very polite n intuitive throughout the whole process
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Myra Evans profile picture
Myra Evans
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I had a fantastic experience with Owen! He was incredibly knowledgeable, efficient, and made the loan process smooth and stress-free. I highly recommend him for anyone in need of a top-notch loan officer. Thank you for your excellent service!
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Victoria Goldstein profile picture
Victoria Goldstein
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Incredible experience working with Owen and his team! As a realtor, I know how hard it is to get a deal closed in 2 weeks time, but despite a holiday within our time frame, Owen and his team rescued our deal and closed us in record time! Highly recommended for investors, and realtors looking for a knowledgeable, reliable, and trusted lender!!!
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Is a Hard Money Loan Right for You?

Hard money loans provide speed, flexibility, and access to capital for real estate investors who need to act fast. Whether you’re flipping homes, or leveraging the BRRRR strategy, hard money lenders can help you fund profitable deals quickly.

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