REAL ESTATE / HARD MONEY
Hard Money Loans
Hard money can solve time-sensitive real estate problems when collateral, basis, and exit are stronger than the borrower's ability or willingness to wait for conventional underwriting.
Start with the asset. Plan the exit.
Hard money financing is typically a property-secured structure emphasizing collateral, borrower equity and an exit plan. Pricing, guarantees and borrower review still matter.
Where it can fit
- Investors with a defined property exit
- Time-sensitive projects with documented equity
Common uses
What shapes the file.
- As-is value and basis
- Borrower experience
- Exit feasibility
General product guidance. A provider’s actual criteria and review determine eligibility.
Documents to prepare
- Purchase contract or current loan statement
- Rent roll, leases and property operating statement
- Property valuation, insurance and reserve information
Know the tradeoffs.
- Fees and a short maturity can make delays costly.
- Refinance availability at maturity is not assured.
T / CAPITAL, CONSIDERED
Put the numbers to work.
04 / CAPITAL, CONSIDERED
Keep these on the shortlist.
Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Fix-and-Flip LoansFix-and-flip capital lives or dies on basis, scope, budget, timeline, experience, ARV logic, and a credible exit strategy.Investment Property LoansInvestment property financing is not one product. Rental, DSCR, bridge, hard money, fix-and-flip, and commercial structures each solve a different part of the investor playbook.
Q / CAPITAL, CONSIDERED
A question worth asking.
Is the property enough to qualify?
No. Providers can assess credit, experience, equity, title, liquidity and the exit alongside the collateral.
YOUR NEXT MOVE
Make your next move an informed one.
Start with your profile. Understand the tradeoffs. Prepare a clear request.