Hard money loan questions, answered

A short-term loan from a private lender, secured by real estate. Approval is based mainly on the property and the deal rather than your W-2 or tax returns, which is why it can close much faster than a bank loan.

Fix-and-flip (purchase plus rehab), bridge and cash-out refinance loans on investment property, and land loans, especially infill lots.

No. Every loan is business-purpose and secured by non-owner-occupied investment property. You cannot live in a property we finance.

Often in days. Once we have the contract and property details and title is ready, there's no committee to wait on, because the person you talk to is the person who approves the loan.

We're based in Austin, TX and lend throughout Central Texas. We also fund deals in other states through our real estate agent network, so reach out wherever your deal is.

Yes. Our fix-and-flip loans can cover a portion of the purchase and the rehab, with total leverage sized off the after-repair value.

Our terms are straightforward and laid out in a term sheet before you commit. Pricing depends on the deal, so tell us about your project and we'll give you real numbers quickly.

Experience helps, but it's not a hard requirement. A solid deal with a realistic budget and exit plan matters more.

A signed contract, property insurance naming the lender as mortgagee, a personal guarantee, and a title company to close through. We'll walk you through the rest.

Ask us about your specific deal. We'll go over payoff and extension options on your term sheet.