Hard Money Loans
When timing matters more than rate.
Asset-based, speed-first financing secured primarily by the property itself rather than the borrower's income or credit profile — built for deals where timing matters more than the lowest possible rate. Approval is driven primarily by the property's value and the deal's loan-to-value (and after-repair value, if applicable), with lighter documentation and underwriting than traditional programs — trading a higher rate and shorter term for speed and flexibility.
Program Highlights
- Closings in as little as a matter of days once the file is complete
- Minimal income documentation — approval centers on the asset and the deal
- Short-term loans, typically 6–24 months, often interest-only
- Flexible on credit history, including recent credit events that would disqualify conventional financing
- Usable for purchase, refinance, bridge financing, and rehab/construction scenarios
- Close in an LLC or business entity
- Clear exit strategy (sale, refinance, or rental cash flow) is part of the approval
Best For
- Investors who need to close fast (auctions, off-market deals)
- Borrowers with credit or documentation challenges but strong equity
- Deals a conventional or bank-statement program can't accommodate in time
What You'll Need to Qualify
- Approval driven by the property's value and deal LTV
- Short-term loans, typically 6–24 months, often interest-only
- Clear exit strategy (sale, refinance, or rental cash flow)
- Close in an LLC or business entity
Guidelines vary by lender and borrower profile. All loans subject to underwriting approval. Not a commitment to lend.
Good to Know
hard money carries higher rates and shorter terms than DSCR or bank statement programs by design — it's the right tool for speed and flexibility on a specific deal, and many borrowers plan from day one to refinance into a longer-term DSCR loan once the property is stabilized.
Common Questions
How fast can this actually close?
Hard money is built for speed — once the file and property details are in, closings can happen in days rather than weeks.
Will my credit score disqualify me?
Hard money is generally far more flexible on credit than conventional or even DSCR financing, since the loan is secured primarily by the asset.
What's my exit strategy?
Most borrowers either sell, refinance into a longer-term DSCR rental loan, or pay off from another source — your exit plan is discussed up front.