Fast, flexible private money loans for real estate investors
Traditional banks reject deals based on credit or income. Hard money lenders focus on the asset — the property's after-repair value. Close in days, not months. Fix & flip, bridge financing, rental properties, and ground-up construction.
- ✔ Fix & flip loans (purchase + rehab)
- ✔ Bridge loans (gap financing)
- ✔ Rental property loans (1-4 units, multifamily)
- ✔ New construction & ground-up
- ✔ Cash-out refinance
💰 Loan terms
Hard money loan programs
Fix & Flip Loans
Purchase + renovation financing. Up to 90% of purchase price, 100% of rehab costs. Interest-only payments. Term: 6-18 months.
Bridge Loans
Short-term financing between transactions. Close quickly while waiting for permanent financing or sale of existing property. 3-12 month terms.
Rental Property Loans
Long-term DSCR loans (debt service coverage ratio). 30-year fixed rates. No personal income verification. 75% LTV.
New Construction
Ground-up construction loans for spec homes, subdivisions, multifamily. Interest-only draws. 12-24 month terms.
Cash-Out Refinance
Refinance existing hard money or conventional loan. Unlock equity for new investments. Up to 75% LTV.
Fix to Rent
Purchase + rehab + long-term rental financing. One closing — buy, renovate, then convert to 30-year rental loan.
Why choose hard money over bank financing?
Speed, flexibility, and asset-based underwriting.
Banks take 30-60 days. We close in days — win bidding wars.
Bankruptcy, foreclosure, low credit score? We focus on the deal, not your past.
Banks rarely fund renovation costs. We cover purchase + full rehab budget.
Fixer-uppers, distressed, condos — we lend where banks won't.
Fix & flip loan example
Borrow 90% = $225,000
100% financed = $75,000 draws
65% ARV LTV (comfortable buffer)
Interest rate: 12% (points: 3)
After interest, points, holding costs
6 months rehab + 2 months sale
Markets we serve
We lend in 45 states. Excluding ND, SD, VT, WV, AK.
Phoenix, Dallas, Houston, Atlanta, Charlotte, Tampa, Orlando, Las Vegas.
Los Angeles, San Diego, Seattle, Miami, New York, Boston, DC.
Nashville, Austin, Raleigh, Jacksonville, Salt Lake City, Denver.
Related financing & real estate services
⭐ $500M+ funded • 5-10 day closings • Up to 75% LTV • Free consultation
Free hard money loan quote
Tell us about your deal. We'll provide preliminary loan terms within 4 hours — loan amount, rate, points, LTV, and closing timeline. 100% free, no obligation.
Why choose our private lending firm?
Thousands of successful fix & flip, bridge, and rental loans nationwide.
No cost to discuss your deal. Preliminary terms within 4 hours.
Fast underwriting, same-day appraisals, rapid funding.
Pay off loan early — no fees. Interest-only payments available.
✅ Get funded for your next real estate deal. Free quote within 4 hours — asset-based lending, fast closing, no obligation.