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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:
  • Fix & Flip and Fix & Rent Loans
  • Single-Family Rentals and Rental Portfolio Loans
  • Commercial Real Estate Loans
  • Non-Prime Consumer and Non-Prime Business Loans
  • New Construction and Redevelopment Loans
  • Foreign Nationals Single Family and Foreign Nationals Investment Properties Loans
  • Terms ranging from short term 12-month loans to 30-year loans
  • Loans starting at $75,000
  • No income verification loans
  • 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 than a traditional mortgage?

A hard money loan is a loan that is secured by a hard asset such as residential or commercial real estate. A hard money loan is sometimes called a bridge loan or a private loan. 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 when making a lending decision. Unlike traditional bank lenders, hard money lenders 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. Most lenders will require a minimum of 10% down payment of purchase cost. The down payment required for each loan program is discussed in greater detail below.

If you have a FICO credit score of over 680 and you can verify your income, we have a lending partner who might extend a no collateral personal loan of up to $100,000 that can be used as a down payment. Click here to learn about our zero down payment loan program.

Do I need to have 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

Fix and Flip Loans: Non-Owner Occupied

  • Single-family, condos, town-homes, multifamily up to 200 units
  • $100K – $50M
  • Up to 90% of the purchase and rehab costs
  • Purchase or refinance
  • Renovation financing available
  • Must be non-owner occupied
  • Nationwide Lending

Fix to Rent Loans

  • Individual rental properties
  • Single-family, 2-4 units, condos, town-homes
  • $75K – $2M
  • Up to 80% of the purchase and rehab costs
  • Fixed rates
  • 30 year term
  • Purchase or refinance
  • Nationwide lending

Rental Portfolio Loans 

  • 5+ rental properties
  • $500K – $100M+
  • Up to 80% LTV for rehab & 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 multifamily properties
  • Up to to $5M
  • Redevelopment, conversion and condo loans
  • Up to 85% of project cost
  • Nationwide lending

Foreign Nationals

  • Foreign nationals with or without US 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
  • Up to 75% LTV without Individual Taxpayer Identification Number (ITIN), tax records, FICO or income verification

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.

Refinance Non-Prime: Owner Occupied  

For the owner-occupied borrowers with less than perfect credit.

  • LTV’s up to 95% on owner occupied residential
  • LTV’s up to 80% on owner occupied business/commercial
  • Sub 500 FICO

Lenders might require alternative documentation such as P&L statements, 1099 or bank statements



No Application Fee – No Obligation – 100% Secure

One Inquiry- Multiple Lending Sources



Successful Loan Applications


Fix & Flip Loans


Rental Loans


Rental Portfolio Loans


Credit Lines


Construction Loans

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