A hard money loan is a short-term, asset-based loan secured by real estate, often used for investment purposes like property flipping or renovations.

We work with experienced investors who need fast, flexible funding. Approval is based on the property’s value and potential, not your credit score.

We finance single-family homes, multi-family units, and some commercial properties. All loans must be for business purposes only.

We typically fund loans within 5-10 business days after receiving all required documents.

You’ll need a completed loan application, property details, purchase contract (if applicable), rehab plan, and proof of experience.

Yes, borrowers must have skin in the game, which typically involves a down payment of 20-30% of the purchase price.

Yes, we offer refinancing options for properties you currently own, depending on equity and business purpose.

We prefer experienced investors. However, if you’re a first-time investor, we recommend partnering with someone who has a track record.

Late payments may incur penalties, and persistent defaults could lead to foreclosure. We encourage clear communication to avoid issues.

Most loans are interest-only with a balloon payment due at the end of the term. You can repay through refinancing or property sale proceeds.

No, our loans are strictly for investment purposes. We do not finance primary residences.

Yes, we finance a portion of rehab costs as part of the loan. Funds are disbursed in draws as work progresses.

No, we do not charge prepayment penalties. You can repay the loan early without additional costs.

Loan terms range from 6 to 12 months, depending on the project and borrower needs.

We focus on lending in Texas. Please contact us to confirm availability in your area.

We base the ARV on comparable sales, your rehab plan, and market analysis in the property’s location.

Borrowers should account for contingency funds in their budget. We do not typically adjust loan amounts after funding.

Click the “Get Funded” button to fill out our application. Our team will guide you through the process step by step.