Submit one inquiry – connect to multiple nationwide funding sources.  

A loan from a private lender is an asset-based loan secured by real property. Because the loan is secured by the value of the property, income verification and credit scores are not usually the primary deciding factors in credit extension.

We offer over 20 lending programs including:
  • No income verification and non-prime consumer mortgages
  • Owner occupied non-qualified (non-QM) mortgages
  • Foreign nationals’ single family and foreign nationals’ investment property mortgages 
  • Commercial real estate loans
  • Fix & flip and fix & rent loans
  • Single-family rentals and rental portfolio loans
  • New construction and redevelopment loans
  • Terms ranging from short term 12-month loans to long-term 30-year loans
  • Loans starting at $75,000
  • Asset-based lending with minimal credit score requirements
  • Rates starting at only 4.99% for longer-term loans
  • Interest only loan options

How is a hard money loan or a private loan different from a traditional mortgage?

A hard money loan, sometimes called a bridge loan or a private loan, is a loan that is secured by a hard asset, such as residential or commercial real estate. When making a lending decision, a hard money lender is mostly concerned with the value of the property being used as collateral, as opposed to the borrower’s credit score or other factors. Unlike traditional bank lenders, hard moneylenders are more flexible with lending requirements, such as down payments, credit scores and income verification.

Do I need a down payment?

What is most important to the lender is the loan-to-value (LTV) ratio of the property being financed. The LTV is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. Lenders require a minimum of 10% down payment of the purchase cost. The down payment required for each loan program is discussed in greater detail, below. 

Do I need a good credit score?

Most lenders do not require a good credit score or income verification. Some lenders will accept bank statements or other financial records if income can’t be verified.

Should I pay a lender an application fee?

You should not pay a lender an application fee, and our lending partners do not charge an application fee. A legitimate lender should examine an application without requiring a fee.


Loan Programs

No income verification, non-prime and non-qualified (non-QM) mortgage: owner occupied  

For the borrower who can’t verify income or the borrower with less than perfect credit.  

  • LTVs up to 90% on owner occupied residential (10% Down)
  • LTVs up to 80% on owner occupied business/commercial (20% Down)
  • Sub 600 FICO

Lenders might require alternative documentation, such as P&L statements or bank statements

Foreign nationals

  • Foreign nationals with or without U.S. permanent residency
  • From $100K homes to $10+ million luxury properties
  • Owner occupied homes, vacation homes, residential and commercial investment properties
  • No FICO, social security number, Green Card or visa required
  • Owner occupied homes, vacation homes, residential and commercial investment properties
  • Up to 85% LTVs with an Individual Taxpayer Identification Number (ITIN) and other documentation (15% Down)
  • Up to 75% LTV without Individual Taxpayer Identification Number (ITIN), tax records, FICO or income verification (25% Down)

Fix to rent loans & fix and flip loans: non-owner occupied

  • Single-family, condos, town-homes, multifamily
  • $75K – $2M
  • Up to 90% of the purchase and up to 100% of rehab costs (10% Down)
  • Renovation financing available
  • Must be non-owner occupied
  • Nationwide lending 

Rental portfolio loans 

  • 5+ rental properties
  • $500K – $100M+
  • Up to 80% LTV for rehab and 75% LTV for currently leased
  • 5, 7, 10, 30 year terms
  • Non-recourse options available
  • Leased portfolio
  • Nationwide lending

Credit lines

  • 1-500+ properties
  • Single-family, 2-4 units, condos, town-homes, multifamily
  • $100K – $50M
  • Up to 90% of assessed value
  • Fixed and floating rate options
  • Renovation financing available
  • Nationwide lending

Construction loans

  • Single-family homes to larger, multi-family properties
  • Up to $5M
  • Redevelopment, conversion and condo loans
  • Up to 85% of project cost
  • Nationwide lending

Commercial loans

  • Office buildings, retail stores, warehouses, self-storage buildings, automotive repair shops, hotels and motels
  • 60% to 75% LTV
  • A simple financing solution on a purchase or cash-out refinance
  • Flexibility to remain in the loan for up to 30 years
  • Lower monthly payments than a traditional hard money loan
  • A 3-year or 8-year fixed term amortized over 30 years


No Application Fee – No Obligation – 100% Secure

One Inquiry- Multiple Lending Sources



Successful Loan Applications


No Income Verification / Sub 600 FICO


Foreign Nationals


Fix & Flip Loans


Rental Loans


Credit Lines


Construction Loans

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