Every real estate transaction has a different timeline, property condition and investment strategy. Hard Money Loan Lender helps investors explore financing options for acquisitions, renovations, refinancing, construction and time-sensitive real estate opportunities.
Our process focuses primarily on the property, the proposed use of funds, the borrower’s experience and the viability of the transaction. Programs may be available for residential investment properties, multifamily buildings, mixed-use properties, commercial real estate and ground-up construction.
Final terms, pricing and eligibility depend on the individual transaction and the financing provider.
Choose the program that most closely matches your project. An initial review can help determine which financing structure may be appropriate based on the property, requested loan amount, timeline and exit strategy.
Fix and flip financing is designed for investors purchasing residential properties that require renovation before resale or refinancing. These loans may help cover the acquisition, renovation or both, depending on the transaction and approved financing structure.
The property’s purchase price, current condition, renovation scope, projected value and borrower experience may all be considered during underwriting.
A bridge loan provides short-term real estate financing when an investor needs to purchase, refinance or stabilize a property before permanent financing or a sale becomes available.
Bridge financing may be useful when a transaction cannot wait for a conventional bank process, when an existing loan is approaching maturity or when a property needs additional work before qualifying for long-term financing.
Rental-property financing may be available for investors purchasing or refinancing income-producing residential real estate. Depending on the program, qualification may focus partly on the property’s expected or existing rental income rather than relying exclusively on the borrower’s personal income.
These programs can be used for stabilized rental properties and, in some cases, properties transitioning from renovation to long-term ownership.
Ground-up construction financing is intended for qualified investors and developers building new residential, multifamily, mixed-use or commercial properties.
Underwriting generally considers the land or acquisition basis, approved plans, permits, construction budget, contractor experience, project timeline and expected completed value. Construction funds may be released in stages as work progresses and approved milestones are completed.
Commercial real estate financing may be available for acquisitions, refinancing, improvements or transitional properties that do not fit traditional bank requirements.
Eligible property types may include office, retail, industrial, warehouse, mixed-use, hospitality and other income-producing real estate. Availability depends on the property, location, occupancy, business plan and proposed exit strategy.
Explore Commercial Real Estate Loans
Investment-property financing covers a range of business-purpose real estate transactions that may not fall within a single conventional loan category.
An investor may need financing to acquire an opportunity quickly, refinance an existing obligation, release equity, complete improvements or prepare a property for sale or permanent financing. The appropriate structure depends on the property and the investor’s intended exit.
Hard money and private real estate financing generally place significant emphasis on the underlying property and the proposed transaction. Although requirements vary, the initial review may consider:
Providing complete and accurate information at the beginning can help the review move more efficiently.
You do not need to identify the exact loan product before contacting us. Submit the property address, requested loan amount, estimated value and intended use of funds. We will review the basic details and help identify financing options that may fit the transaction.
Related reading: How the hard money loan process works · About Hard Money Loan Lender