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 funded by private lenders and are secured by the property itself rather than the borrower’s creditworthiness.
Key Features of Hard Money Loans
- Short-Term Financing – Typically 6 months to 3 years.
- Fast Approval & Funding – Loans can be approved in days, not weeks.
- Asset-Based Lending – Loan approval is based on the property's value (LTV or ARV).
- Higher Interest Rates – Rates range from 8% to 15%, higher than conventional loans.
- Flexible Loan Terms – Tailored to investment needs, unlike rigid bank loans.
Why Real Estate Investors Use Hard Money Loans
- 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.
- New Construction – Finance land purchases and construction costs.
- Commercial Real Estate – Quickly acquire multifamily or mixed-use properties.
How to Qualify for a Hard Money Loan
- Property Value & Equity – Loan-to-Value (LTV) or After-Repair Value (ARV) matters most.
- Exit Strategy – Investors must have a clear plan to sell, refinance, or rent the property.
- Experience Level – Some lenders prefer experienced real estate investors.
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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, building new construction, or leveraging the BRRRR strategy, hard money lenders can help you fund profitable deals quickly.