For investors, fast turnaround
Hard Money Loans
Private money lending for renovation, construction, and investment projects, with underwriting focused on the deal itself.
Hard money loans are private, asset-focused financing designed for real estate investors who need speed and flexibility that traditional mortgages don’t offer - often for fix-and-flip projects, bridge financing, new construction, or transactional funding.
Underwriting can be based primarily on the property’s value and the strength of the deal itself, or on a combination of the property and the borrower’s credit and financial history, depending on the program path that fits best.
This is a specialty program most commonly used by real estate investors - we’ll help you understand whether it’s the right tool for your project.
Common uses
- Fix-and-flip: buy, renovate and resell a property
- Bridge financing: close quickly now, then refinance into a long-term loan
- Ground-up construction on investment properties
- Transactional funding for short double closings
- Buying a property that won’t qualify for a standard loan yet because of its condition
How hard money differs from a mortgage
| Hard money | Traditional mortgage | |
|---|---|---|
| Speed | Often days to a couple of weeks | Usually several weeks |
| Focus | The property and the deal | Your income, credit and the property |
| Term | Short, often a year or two | 15 to 30 years |
| Cost | Higher rates and points | Lower |
| Property | Investment and business purposes only | Primary, second and investment homes |
Loan amounts are often based on the purchase price, the renovation budget and the property’s after-repair value.
Planning your exit
Hard money is meant to be short-term. Before you borrow, you’ll want a clear plan to pay it off: selling the property, or refinancing into a long-term loan such as a DSCR loan once the work is done and the property is rented.
Common questions
Can I use hard money for a home I’ll live in?
No. These loans are for investment and business-purpose properties.
How fast can it close?
Often much faster than a traditional loan, depending on the appraisal and title work.
Do I need experience?
Not always, but experienced investors often get better terms. We’ll match you with a lender that fits your track record.
Got a deal that needs to move fast? Call us at 303-931-3239, or get prequalified online.