When the deal can't wait, hard money gets it done.
Fund My Deal
about 55 seconds left60 seconds · no hard credit pull · never sold
What type of property is this?*
Hard money is asset-based lending secured by the property. It closes in days rather than months, for an equity-rich refinance a bank won't touch or an acquisition on a deadline.
- Close in days, not months
- Up to 70% LTV — investment properties
- $75,000 to $5,000,000
- Asset-first underwriting — credit flexible
- No income documentation
- Refinance or acquisition
- Time-critical acquisitions
- Equity-rich refinances
- Unique properties
- Borrowers with a clear exit
Built to do what conventional financing can't.
Speed is the product
Decisions come in days. There are no committee timelines and no weeks of underwriting conditions.
The asset is the qualification
The property and the equity in it qualify the loan, not your income or a perfect credit history.
No income documents
No tax returns, pay stubs, or bank statements are required to qualify.
Built around the exit
A sale, a refinance, or a payoff. Joshua maps the take-out before you close so the short-term loan stays short.
Sound like your situation? Answer a few questions and I'll show you what you qualify for — about 60 seconds, no hard credit pull.
Check my options →Does the deal still work after financing?
Deal Analyzer
Institutional-grade underwriting for any long-term rental — NOI, cap rate, cash-on-cash, and DSCR in one pass.
Acquisition
Income
Expenses
Cap rate
6.4%
Cash-on-cash
0.2%
DSCR
1.01x
Annual cash flow
$219
An estimate is a start. Tell me about the property and I'll come back with real options for it.
Check my options →Purchases: your credit sets the down payment.
- FICO score700+
- Minimum down payment10%
- Points3.5 points
- FICO scoreBelow 700
- Minimum down payment15%
- PointsBy scenario
- FICO scoreBelow 620
- Minimum down payment50%, plus closing costs
- PointsBy scenario
Up to 70% LTV on investment properties; below 620, an investment refinance is capped at 50% of value. Loan amounts from $75,000 to $5,000,000. Terms depend on asset value, equity, and exit strategy. Owner-occupied hard money is available in Oregon, Washington and California only.
- A time-critical acquisition
- An equity-rich refinance banks won't touch
- A unique property or story that needs a human underwrite
- A clear exit plan: sale, refinance, or payoff
- Investment properties in all states
- Primary residences only in Oregon, Washington and California
- Costs more than long-term financing; that is the trade for speed
- An exit plan is expected up front
Good to know.
What is a hard money loan?+
Asset-based financing. The property and the equity in it qualify the loan, rather than your income or credit history.
What's the maximum LTV?+
Up to 70% on investment properties. Terms depend on the asset's value, your equity, and the exit strategy.
How fast can it close?+
Days, not months.
How much do I need to put down on a purchase?+
10% with a 700+ FICO, which carries 3.5 points, or 15% below 700.
Can I use hard money on my primary residence?+
Only in Oregon, Washington and California. Investment properties are eligible in all states.
Still have a question about your own scenario? Start here and I'll answer it with your numbers in front of me.
Check my options →Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.