Hard Money Loan Products

We offer a variety of hard money loan products that can be customized for your specific needs. Review the information below to find the right product.

Investment Property Loans Summary

We know that every business and every deal can be different, so Lend Some Money (LSM) offers flexible loan products for virtually every location within the United States built for your investment needs. Whether you are interested in building a new home to sell, fixing and flipping an existing one, or holding a rental for the long term, LSM has a product that can help. Read on to learn more about our current offerings.

Loan Products	FICO	$ Loan	Term	Rate	Points
FIX&FLIP (BRIDGE)	620+	$75K+	12-24 Mos	10.25%+	2-4
RENTAL (1-4)	660+	$75K+	30-Yrs	7.59%+	1-4
RENTAL (5+)	680+	$250K+	30-Yrs**	7.89%+	2-5
NEW CONSTRUCT	650+	$75K+	12-24 Mos	10.89%+	2-4

All loans must be used for non-owner occupied properties purchased for investment. Commercial properties are not eligible for lending unless they are mixed use and comprise at least 50% residential use.

** 30 Years 5, 7, 10 or interest only

Rental Units (5+) Loan Product Information

Fix and Flip (Bridge) Loans

Available for the purchase and renovation of 1-4 unit, non-owner-occupied properties. General terms and requirements for fix and flip loans include:

✓ 1-4 Unit Residential Properties
✓ Minimum Loan Amount of $75K
✓ Borrow up to 90% of purchase price, 100% of rehab costs, 75% of ARV
✓ Term Length of 12-24 Mos
✓ Minimum FICO Score of 620
✓ Interest Rate Starting at 10.25%+
✓ Origination between 2-4 Points

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Rental Units (1-4) Loan Product Information

Rental Property Loans (1-4 Units)

Available for investors purchasing or refinancing a long-term or short-term(e.g.AirBNB) 1-4 unit rental property. General terms and requirements for 1-4 unit rental loans include:

✓ 1-4 Unit Residential Properties
✓ Minimum Loan Amount of $75K
✓ Loan up to 80% of ARV
✓ Loan up to 80% of Refinance Price
✓ Loan up to 75% of Cash Out Price
✓ Term Length of 30-Yrs
✓ Minimum FICO Score of 660
✓ Interest Rate Starting at 7.59%+
✓ Fixed or Adjustable Rates
✓ Funding for Long and Short-Term (e.g. AirBNB/Vrbo) Rentals
✓ Origination between 1-4 Points

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Rental Units (5-20) Loan Product Information

Rental Property Loans (5+ Units)

Available for investors purchasing or refinancing a long-term or short-term (e.g. AirBNB) 5+ unit rental property. General terms and requirements for 5+ unit rental loans include:

✓ 5+ Unit Residential Properties
✓ Minimum Loan Amount of $250K
✓ Loan up to 75% of ARV
✓ Loan up to 75% of Refinance Price
✓ Loan up to 70% of Cash Out Price
✓ Term Lengths of 30-Yrs Fixed, 5/1, 7/1, or 10/1 ARM or Interest Only
✓ Prepayment Penalty 3 or 5 Year Step Down
✓ Prepayment (3/2/1 or 5/4/3/2/1)
✓ Minimum FICO Score of 680
✓ Interest Rate Starting at 7.89%+
✓ Funding for Long and Short-Term (e.g. AirBNB/Vrbo) Rentals
✓ Pre-payment Step Down - 3 or 5 year option

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New Construction Loans

Available for investors building on an approved lot, with full autonomy to cater the build to their targeted buyer types. General terms and requirements for new construction loans include:

✓ 1-20 Unit Residential Properties
✓ Ground-Up Construction or Tear Down and Rebuild
✓ Minimum Loan Amount of $75K
✓ Loan up to 90% of LTC
✓ Loan up to 75% of LTV
✓ Term Lengths between 12-24 Mos
✓ Minimum FICO Score of 650
✓ Interest Rate Starting at 10.89%+
✓ Origination between 2-4 Points

Learn More and Apply