Investors
Hard Money Loans
Asset-Based Lending for Real Estate Investors.
Min Credit Score
No minimum (asset-based)
Min Down Payment
20–30% (varies by property)
Ideal For
Fix-and-flip investors, bridge financing, distressed properties
What is a Hard Money Loans?
Hard money loans are asset-based, short-term loans primarily used by real estate investors for fix-and-flip projects, bridge financing, or time-sensitive acquisitions. Approval is based on the property's value, not your credit score.
Who It's For
Hard money loans are designed for experienced real estate investors who need fast financing for purchase-rehab projects, bridge loans between transactions, or distressed properties that don't qualify for conventional financing.
Key Benefits
- Fast closings, often in 5–10 business days
- Approval based on property value, not just credit
- Available for properties in disrepair
- No prepayment penalty in most cases
- Interest-only payment options
- Rehab funds can be escrowed into loan
What You'll Need
- Property serves as primary collateral
- Minimum 20–30% equity/down payment
- Exit strategy documentation (sale or refinance)
- Experience with real estate investment preferred
- Property appraisal/valuation required
- 6–24 month terms typical
Frequently Asked Questions
Everything you need to know about Hard Money Loans.
Ready to Get Started?
Tathiana is ready to help you navigate your Hard Money Loans options. Apply online or call us directly.