Hard Money — 100% Financing

Hard Money — 100% Financing

Fast Funding for Experienced Flippers.

Last updated March 23, 2026

Financing

100% LTC/LTV

Credit Score

720+

Experience Required

10+ Flips

Closing Time

7-14 Days

Program Overview

Our Hard Money program is specifically designed for experienced real estate investors with a proven track record of successful property flips. We offer 100% financing on both the purchase and renovation costs (100% LTC/LTV), allowing you to maximize your leverage and take on multiple projects simultaneously without using your own capital. With minimal documentation requirements, fast 7-14 day closings, and competitive rates starting at 10.5%, hard money loans are ideal for time-sensitive deals, competitive auctions, and off-market opportunities where traditional financing isn't available. Our streamlined underwriting process focuses on your experience and the deal, not on traditional income verification or credit requirements.

Loan Terms

Loan Amount$50,000 – $2,000,000
Loan-to-Cost (LTC)100%
Loan-to-Value (LTV)100% purchase / 75% cash-out
Interest RateStarting at 10.5%
Loan Term6 – 24 months
AmortizationInterest-only
Origination Fee2% – 4%
Prepayment PenaltyNone
Closing Time7 – 14 days
Rehab Holdback100% of rehab budget (drawn in stages)

Eligibility

Minimum credit score: 720
Minimum 10+ completed flips (5+ in-state preferred)
Proven track record of successful renovations
Full interior appraisal required
Light to moderate rehab projects only
Entity required (LLC, Corp, or Trust)
Minimal income verification needed
Liquid reserves: 3-6 months of loan payments

Eligible Property Types

Single-family residences (SFR)
Townhomes and condos
2–4 unit properties
Multifamily (case by case)

How Investors Use This Program

1

Portfolio Flipping

Scale your flipping business with 100% financing on multiple projects. Take on larger deals and higher-value properties without tying up your own capital.

2

Quick Turnarounds

Close in as little as 7-14 days. Perfect for competitive auctions, off-market deals, and time-sensitive opportunities where speed is critical.

3

Full Renovation Financing

Finance both purchase and renovation costs. Rehab funds are held in escrow and released as work is completed, ensuring quality control.

Frequently Asked Questions

Ready to Get Started?

Get a personalized quote for your hard money — 100% financing project in minutes.

Call 800-846-8628

Why Lending Specialty?

Fast Closing

As fast as 14 days

Competitive Rates

Starting at 5.5%

Direct Lender

No middlemen, no delays

Ready to Fund Your Hard Money — 100% Financing Project?

Get a personalized quote in minutes. Our team is ready to help you close your next deal with speed, transparency, and dependability.

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This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval.