A hard money loan is an asset-based loan secured by real estate. Unlike traditional bank loans, hard money loans focus on the value of the property, rather than the borrower’s credit history or income. These loans are commonly used by real estate investors for fix-and-flip projects, rental properties, and commercial developments.

We provide financing for:

🏠 Residential Investment Properties (Single-family, Multi-family)

🏢 Commercial Properties (Office buildings, Retail spaces, Warehouses, Restaurants, Medical Offices, Gas Stations, etc.)

🏗 Mixed-Use Properties

🔧 Fix-and-Flip & Construction Projects

⚖ Probate, Trust & Estate Loans

Our loan terms vary based on the type of property and loan program. Typical terms include:

Loan-to-Value (LTV): Up to 65% of current market value

Interest Rates: Starting from 8.99%

Loan Term: 6 to 18 months (extensions available)

Points: 1.5 – 3.5 points on most loans

Minimum Loan Amount: $50,000

No! We offer stated income loans, meaning we do not require tax returns, pay stubs, or financial statements. Our loans are equity-based, meaning the property itself is the primary factor in approval.

No! Most of our loans come with no prepayment penalties, so you can pay off your loan early without extra fees.

A cash-out refinance allows you to tap into your property’s equity and withdraw cash for business purposes such as reinvestment, renovations, or paying off existing debts.

We can close most loans within 5-10 days, depending on property inspections and documentation requirements.

For most loans, you’ll need:

📌 A completed loan application

📌 Property details (address, value, etc.)

📌 Purchase agreement (if applicable)

📌 Title & insurance documents