Hard Money Loans
Fast Financing for Investors
To close transactions in a matter of days.
What do they consist of?
When speed is critical:
Hard Money Loans allow you to close transactions in a matter of days. They are ideal for properties that require immediate capital, do not qualify for traditional financing, or are acquired at auction.
Includes:
- Closings in 24–72 hours
- Approval based on asset value
- Ideal for distressed or auctioned properties
- Minimal documentation requirements
- Available to domestic and international investors
⭐ Advantages
🟢 Extremely fast closings
🟢 Primarily based on asset value
🟢 Fewer requirements and less paperwork
🟢 Flexibility for multiple investment strategies
🟢 High amounts and customizable terms
⭐ Requirements
- There must be a real and verifiable property
- Capital contribution (Down Payment or Equity)
- Clear project plan
- Proof of funds for initial costs
- Basic identification and business verification
Frequently Asked Questions:
How long does it take for a Hard Money Loan to be approved and closed?
Most transactions can be approved within 24–48 hours and closed within 3–7 days, provided the investor has the necessary documentation ready (contract, ID, project plan, etc.).
This type of financing is specifically designed to capitalize on urgent opportunities.
What types of properties qualify for Hard Money?
Hard Money Loans are very flexible. They can be applied to:
- Residential properties (1–4 units)
- Fix-and-flip homes
- Distressed or undervalued properties
- Auction or off-market assets
- Small multi-family buildings
- Land or special projects (depending on the case)
As long as there is good potential for appreciation or a clear exit strategy, you likely qualify.
What costs or fees should I expect?
Hard money loans typically have higher rates than traditional bank loans due to their speed, flexibility, and higher level of risk.
They usually include:
- Monthly interest (interest only)
- Points at closing
- Appraisal and underwriting fees
- Standard closing costs
Even so, they are an ideal tool for investors seeking immediate capital and a competitive advantage in the market.