Empowering Investors Nationwide

Hard money lending is a type of short-term financing where lenders provide loans based primarily on the property value and deal potential rather than the borrower's credit score or income. Hard money loans typically have higher interest rates (5.5%-12%) but offer faster closings (7-14 days) and are ideal for fix-and-flip investors, bridge loans, and time-sensitive real estate deals. Unlike traditional banks, hard money lenders focus on the deal's profitability rather than the borrower's financial history.

DSCR (Debt Service Coverage Ratio) lending is a type of rental property financing where loan approval is based on the property's rental income rather than the borrower's personal income. The DSCR ratio is calculated by dividing the property's annual net operating income by the annual debt service (loan payments). Most DSCR loans require a ratio of 0.75 or higher, meaning the property generates enough income to cover loan payments. DSCR loans are popular with real estate investors because they don't require traditional income verification and allow investors to qualify based on property cash flow.

We finance a wide range of investment properties including single-family homes, multi-family units (2-30+), mixed-use properties, and ground-up construction projects. We focus exclusively on investment properties — not owner-occupied residences. Our programs include Fix & Flip loans, DSCR rental loans, Bridge loans, Ground-Up Construction loans, Investor Portfolio loans, Foreign National loans, and Hard Money loans with 100% financing.

We can close loans in as little as 7-14 days for hard money and fix-and-flip loans. DSCR rental loans typically close in 21-30 days. Bridge loans close in 10-21 days. Our streamlined process and in-house underwriting allow us to move quickly while maintaining thoroughness. Speed is one of our core differentiators compared to traditional banks, which typically require 45-60 days for approval and closing.

Our rates start as low as 5.5% depending on the loan program, property type, borrower experience, and leverage. Fix & Flip rates typically range from 6.5%-10%, DSCR rental loans from 5.5%-8%, and Hard Money loans from 7%-12%. We offer competitive pricing across all our programs. Contact us for a personalized quote based on your specific deal. Rates vary based on LTV (Loan-to-Value), property condition, and market conditions.

Yes! We have specialized loan programs for foreign national investors. No SSN or US credit history is required. We work with international investors from around the world to help them invest in US real estate. Foreign nationals can qualify for Fix & Flip, DSCR, and Hard Money loans with down payments typically ranging from 20%-40%.

We offer loans up to $10 million for qualified borrowers and properties. Loan amounts depend on the program type, property value, and borrower qualifications. We can also consider larger amounts on a case-by-case basis. Most of our loans range from $50,000 to $5 million, with average deal sizes around $500,000-$2,000,000.

For our DSCR (Debt Service Coverage Ratio) rental loans, no income verification is required. The property's rental income qualifies the loan. For fix-and-flip and construction loans, we focus primarily on the deal and the borrower's experience rather than traditional income documentation. Hard Money loans also don't require traditional income verification — approval is based on the property value and deal potential.

Yes! Our Hard Money program offers 100% financing (100% LTC/LTV) for experienced real estate investors with 10+ completed flips and a 720+ credit score. Hard money loans close in 7-14 days, making them ideal for competitive auctions and time-sensitive deals where traditional financing is unavailable. This 100% financing option allows experienced flippers to acquire and renovate properties without putting down capital upfront.

Hard money loans and traditional bank loans differ in several key ways: (1) Approval basis: Hard money is based on property value and deal potential, while banks focus on credit score and income; (2) Speed: Hard money closes in 7-14 days, banks take 45-60 days; (3) Rates: Hard money rates are 7%-12%, bank rates are 4%-7%; (4) Documentation: Hard money requires minimal docs, banks require extensive documentation; (5) Flexibility: Hard money lenders are more flexible with property condition and borrower profile; (6) Use cases: Hard money is ideal for fix-and-flips and time-sensitive deals, banks are better for long-term rentals.