Hard money is asset-based lending secured primarily by the property. Underwriting is fast because it centers on collateral value and exit strategy rather than borrower income. You pay for that speed in rate and points, and the loan is designed to be replaced, not held.
Hard money is a tool, not a destination. Go in with the exit financing identified and, ideally, already in process.
Send us the scenario and we will tell you honestly whether it works, and which lender is the right home for it.
Buying the next one. Which program fits, how much you put down, and how fast you can close.
Qualify on your rental property's income, not your tax returns or W-2s.
Short-term bridge financing for non-owner-occupied renovation projects.
Multifamily, mixed-use, office, retail, and industrial investment property loans.
One loan across multiple doors. Consolidate a rental portfolio into a single closing and payment.
DSCR financing structured around short-term rental income.
Twelve or twenty-four months of deposits qualify self-employed borrowers.
Replace your existing loan with better terms. No cash out, better pricing.
Pull equity out of an investment property to fund your next acquisition.
Acquisition financing for raw land, entitled lots, land banking, and agricultural acreage.