Hard Money Funding Solutions
We connect borrowers with reputable private lenders who deliver fast, asset-based financing. Our team simplifies the process by providing applicant guidance, transparency, and streamlining communication to ensure transactions close smoothly and with confidence.
Lending Options
Fix-and-Flip Loans
- Use: Purchase, renovate, and quickly resell properties.
- Rates: 8% – 14% (often interest-only).
- Term: 6–18 months
- Prequalifications:
- Equity or down payment of 10–30%.
- Experience as an investor helps, but not always required.
- Basic credit check (not as strict as banks).
Bridge Loans
- Use: Short-term financing between transactions (buying before selling, waiting for permanent financing, etc.).
- Rates: 8% – 12%
- Term: 6–24 months
- Prequalifications:
- Strong exit strategy (proof of sale, refinance approval, or rental income plan).
- Equity of 25–30%.
Rental Property Loans (DSCR Loans)
Rental Property Loans (DSCR Loans)
- Use: Long-term buy-and-hold investors who want to refinance or purchase rental properties.
- Rates: 7% – 10% (fixed or adjustable).
- Term: 3–30 years
- Prequalifications:
- Debt Service Coverage Ratio (DSCR) typically ≥ 1.2.
- 20–25% down payment.
- Moderate credit score (usually 620+).
Construction Loans
Cash-Out Refinance Loans
Rental Property Loans (DSCR Loans)
- Use: Financing ground-up development or major renovations.
- Rates: 9% – 15%
- Term: 12–36 months
- Prequalifications:
- Detailed construction budget and timeline.
- Builder experience required.
- 25–35% equity contribution.
Cash-Out Refinance Loans
Cash-Out Refinance Loans
Cash-Out Refinance Loans
- Use: Tap into existing property equity for reinvestment.
- Rates: 7% – 12%
- Term: 1–5 years (shorter than traditional refi).
- Prequalifications:
- At least 25–35% equity remaining post-refinance.
- Property valuation supporting requested loan.
Equipment Loans
Cash-Out Refinance Loans
Cash-Out Refinance Loans
- Use: Purchase or lease equipment. The equipment itself serves as collateral.
- Rates: 6% – 12% (depending on credit, down payment, and equipment type).
- Terms: 2 – 10 years (aligned with equipment’s useful life).
- Qualifications:
- Credit score typically 600+.
- Down payment often 10–20%.
- Newer businesses may qualify since the loan is asset-backed.
- Proof the equipment supports business revenue.