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Short-term asset-based financing for real estate investors. Ideal for fix-and-flip projects, bridge loans, short-term rentals, and ground-up construction with fast funding.
A hard money loan is right for you if you are a real estate investor who needs fast funding for a fix-and-flip, bridge financing, or short-term project. Qualification is based on the property value rather than your personal income, with funding possible in as little as 7-10 days.
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Min Credit Score
600+
Min Down Payment
15%
Max LTV
85%
Max DTI
N/A (asset-based underwriting)
Loan Limits
$150,000 to $10,000,000
PMI / MIP
No PMI; interest rate reflects short-term risk premium
Occupancy
Investment property only (non-owner-occupied)
Submit your property details, purchase price, renovation budget, and exit strategy. We evaluate the deal and provide a term sheet within 24-48 hours.
We order a BPO or appraisal, review the renovation scope of work, and assess the after-repair value (ARV) to determine the final loan amount.
Asset-based underwriting focuses on the property value and project viability. Personal income documentation is minimal. Approval can happen in days, not weeks.
Close in as little as 7-10 days. Renovation funds are held in escrow and disbursed as draw requests upon completion of specified work.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income rather than personal income, making it ideal for portfolio builders.
Financing for building a new home from the ground up or major renovations. Features progressive disbursements during construction with interest-only payments, converting to a permanent mortgage upon completion.
Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.
Apply online in minutes or call us to speak with a loan advisor about your Hard Money options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.