Explore hard money and private real estate financing options for investment-property acquisitions, fix and flip projects, bridge transactions, rental properties, construction and commercial real estate in California and Florida.
Initial financing decisions may be available within 24 hours, and qualified transactions may close in as little as 3–5 business days. Timing and availability depend on the property, documentation, title and underwriting requirements.
Whether you are purchasing a distressed property, refinancing a maturing loan, renovating an investment property or developing a new project, the right financing structure depends on the property and the business plan. Review the available programs or submit the transaction details for an initial assessment.
Fix and Flip Loans
Short-term financing for investors buying and renovating residential investment property. The review focuses on the purchase price, renovation budget, current condition and projected value after repairs.
Temporary financing when a purchase, refinance or sale cannot wait for a conventional bank process, or when a property needs work before it qualifies for long-term financing.
Financing for income-producing residential property. Depending on the program, qualification may consider the property’s rental income alongside the borrower’s financial profile.
Development, commercial and portfolio transactions are reviewed individually. Send the property and the plan, and we will tell you which structures may apply.
Ground-Up Construction Loans
Financing for qualified investors and developers building new residential, multifamily, mixed-use or commercial property. Funds may be released in stages as approved work is completed.
Submit the property and requested financing details, receive an initial transaction review and complete the required valuation, title and underwriting process. We help keep borrowers informed about required documents, outstanding conditions and the steps remaining before closing.
Submit the property and loan details
Send the property address, requested loan amount, purchase price or estimated value, loan purpose and desired closing date. Include the renovation or construction budget if the project involves work.
Initial transaction review
We review the property, available equity, requested financing, project plan and proposed exit strategy. An initial review is not a final approval or a commitment to lend.
Preliminary financing terms
If a potential option is identified, preliminary terms may be provided describing the proposed amount, pricing, duration, required equity and major closing conditions.
Underwriting, valuation and closing
Valuation, title, insurance, entity documents and supporting paperwork are completed. Closing follows once the remaining conditions are satisfied.
A Practical Financing Process for Real Estate Investors
Property-Focused Review
The property, equity, business plan and exit strategy are important parts of the financing decision.
Responsive Communication
Receive clear requests for information and updates as the transaction moves through review.
Multiple Property Types
Financing options may be available for residential investment, multifamily, mixed-use and commercial properties.
Flexible Transaction Structures
Programs may support acquisitions, renovations, refinancing, construction and transitional real estate.
Investor and Entity Financing
Transactions may be considered for individuals, LLCs, corporations and other eligible business entities.
California and Florida Coverage
Submit investment-property opportunities in California, Florida and other supported markets.
Frequently Asked Questions
Common questions about business-purpose hard money and private real estate financing. For anything specific to your property, send the details and we will answer directly.
How fast can a hard money loan close?
An initial decision may be available within 24 hours once the property and transaction details are complete, and qualified transactions may close in as little as 3 to 5 business days. Actual timing depends on valuation, title, insurance and documentation, and no closing date is guaranteed.
What types of property qualify?
Requests are reviewed for single-family investment property, condominiums and townhomes, two-to-four-unit buildings, multifamily, mixed-use, commercial real estate and land or construction projects. Eligibility depends on the property, market, condition and business plan.
Do I need strong credit?
Not necessarily. The property and the transaction are central to the review, but credit, liquidity, experience and financial background may still affect eligibility and the terms that are available.
Can an LLC or corporation borrow?
Yes. Business entities commonly hold investment real estate. Formation documents, ownership information and personal guarantees may be requested during underwriting.
What loan-to-value limits apply?
Limits vary by program, property type, condition and financing provider, so no single figure applies to every transaction. Send the property details and the requested amount and we will tell you what may be workable.
How much can I borrow?
The available amount depends on the property value, the requested purpose, your equity contribution, the renovation or construction budget where applicable, and the proposed exit strategy. Preliminary terms are issued only after the transaction has been reviewed.
Talk to a Real Estate Financing Specialist
Send the property address, requested loan amount, estimated value, loan purpose and desired closing date for the fastest initial review.
468 N Camden Dr, Suite 214A, Beverly Hills, CA 90210 | 829 SW 1st Ave, Suite 68, Miami, FL 33130
Applications are accepted online 24/7. In-person meetings are available by appointment.
Hard Money Loan Lender provides information and assistance related to business-purpose real estate financing. Financing is intended primarily for non-owner-occupied investment properties and is subject to underwriting, property valuation, title review, lender approval and applicable law. Submission of an application does not guarantee approval or constitute a commitment to lend. Loan programs, terms and availability may change without notice.