Resources & FAQs

Hard money refers to asset-based lending secured by real estate. Unlike traditional bank loans that focus heavily on credit scores and income verification, hard money lenders primarily evaluate the property value and equity position. These loans are typically short-term and ideal for investors, fix-and-flip projects, and situations requiring speed.

Hard money is ideal for real estate investors, fix-and-flip buyers, borrowers who need to close quickly (within 7-14 days), self-employed individuals who don't show traditional income, buyers needing bridge financing, and properties that don't qualify for traditional financing.

Yes — we can lend on owner-occupied properties as long as the loan is strictly for business or investment purposes, not personal or consumer use. These loans are allowed when the funds are tied to a legitimate business need such as purchasing or refinancing an investment property, funding a business venture, or accessing equity for real estate investment opportunities. Owner-occupied business-purpose loans require additional compliance steps and are reviewed on a case-by-case basis to ensure they meet all state and federal business-purpose guidelines.

Typical requirements include property information, purchase contract (if applicable), credit report, ID, personal financial statement, bank statements, proof of funds, rehab budget (for fix-and-flip), lease agreements (for rentals), and entity documents if borrowing through an LLC.

Depending on the complexity of the deal and documentation turnaround, we can often close loans in 7-14 days. In urgent situations with straightforward scenarios, we've closed in as little as 5 business days. Speed is one of our core strengths.

We do not charge upfront fees for loan consultation or scenario review. Third-party costs like appraisals or credit reports may be required during underwriting. All brokerage fees and points are disclosed in the term sheet and collected at closing.