Residential Hard Money Loans

Flexible Funding for Investors

Residential hard money loans are designed for investors who need a quick closing, have imperfect credit or are acquiring unique properties that don’t meet traditional underwriting guidelines. Because these loans are secured primarily by the asset, they offer more flexibility than conventional mortgages and can be funded quickly — often within days.

Hard money is commonly used for purchases, renovations, ADU conversions, cash‑out refinance or as a bridge to permanent financing. With higher loan‑to‑value ratios and streamlined approvals, you can seize investment opportunities without jumping through hoops.

Program Details

Loan Purpose: Purchase, rehab, refinance or cash‑out on non‑owner occupied properties
Loan Amounts: $75k–$10M+
Maximum LTV: Up to 75% of property value
Funding Speed: As fast as 5 business days; same‑day approvals available
Documentation: Minimal income verification; asset‑based underwriting
Credit: Flexible; bad credit and foreign nationals considered
Property Types: Non‑owner occupied single‑family homes, condos, townhomes, accessory dwelling units, mixed‑use and multi‑family 1–4 units
Appraisals: Often waived on low LTV deals

Need Fast Capital?

If you’re purchasing or rehabbing an investment property, our hard money program can help you close quickly and leverage your equity.

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