Hard Money Loan Programs

Residential Fix & Flip

  • Term12 Months

  • Loan Amount$50k to $2.5M+

  • LTVUp to 85% of the purchase price;
    Up to 65% Refinance;
    Up to 50% Cash-Out

  • FICONo set minimum

  • Property TypesNon-owner occupied 1-4 family residential

  • Property Type ExclusionsOwner Occupied

  • Pre-Pay PenaltyN/A

  • Termination Fee1% After Month 9

  • Extension FeeNo Extension Option

After Repair Value (ARV)

  • Term12 Months

  • Loan Amount$75k to $2.5M+

  • LTVUp to 85% of the purchase price;
    up to 100% of renovation costs;
    Not to exceed 75% of the ARV

  • FICO600 minimum

  • Property TypesNon-owner occupied 1-4 family residential

  • Property Type ExclusionsOwner Occupied

  • Pre-Pay PenaltyN/A

  • Termination Fee1% After Month 9

  • Extension FeeNo Extension Option

Residential Fix & Lease

  • Term 18 Months

  • Loan Amount$50k to $2.5M+

  • LTVUp to 85% of the purchase price;
    Up to 65% Refinance;
    Up to 50% Cash-Out

  • FICONo set minimum

  • Property TypesNon-owner occupied 1-4 family residential

  • Property Type ExclusionsOwner Occupied

  • Pre-Pay Penalty2% Prior to Month 9

  • Termination FeeN/A

  • Extension Fee2% for 6 Months

Buy-to-Rent Loans

  • Term24 Months (12-Month Extension Available)

  • Loan Amount$50k to $2.5M+

  • LTVPurchase – Lesser of up to 75% of the As-Is Value or Up to 75% Loan-to-Cost;
    Refinance – Up to 70% of the As-Is Value
    Cash-Out – Up to 65% of the As-Is Value

  • FICO660 Minimum

  • Property Types1-4 Family & Multi-Family Non-Owner Occupied Real Estate; Condos; Townhomes; 5+ Apartments; Mixed-Use Properties

  • Property Type ExclusionsOwner Occupied

  • Pre-Pay Penalty5% Prior to Month 6

  • Termination FeeN/A

  • Extension Fee1% for 12 Months