Fast Funding for Credit-Challenged Real Estate Investors
HardFunded specializes in high equity real estate loans for borrowers with low credit scores, past bankruptcies, or limited documentation. Get approved when banks say no.
No credit score required • 50% LTV • No income documentation • Fast Funding
What People Are Saying
“I submitted my deal through HardFunded.com and had lender calls within hours. I’ve worked with lenders for years — nothing is this fast or this easy.”
— Sarah M., Commercial Real Estate Investor
“HardFunded.com is ready to find you a loan.”
Key Features Explained
✅ Streamlined Underwriting
The loan approval process is faster and more efficient than traditional bank loans. You’ll benefit from:
- Less paperwork
- Flexible asset, credit history, and income documentation requirements
- Quick decisions — ideal for credit-challenged borrowers
✅ No Seasoning of Ownership Required
Most lenders require you to own a property for 6–12 months before allowing you to borrow against it. With this program, you can qualify immediately — even if you just acquired the property.
✅ Flexible Loan Terms: 3 to 30 Years
Choose from loan terms between 3 and 30 years with multiple payment structures available. This flexibility makes it easy to tailor your loan to your investment strategy—whether you're flipping quickly or holding long-term.
✅ Competitive Terms
Benefit from highly competitive loan terms designed to maximize your investment potential and financial flexibility.
✅ No Minimum Credit Score
Unlike traditional lenders, this program does not require a minimum credit score, making it accessible for borrowers with diverse credit profiles.
✅ No Tax Return or Income Docs Required
Simplify your application with no need for tax returns or income documentation, streamlining the process for faster approvals.
🧾 Derogatory Credit - No Income Program
📋 Program Summary
This specialized lending program offers cash-out refinancing, rate-and-term refinancing, and purchase financing for borrowers with credit challenges or limited income documentation. Loans are available up to 50% of the property's current market value or purchase price.
💸 Cash-Out Refinancing Example
- Property Type: 12-Unit Apartment Building
- Property Value: $1,900,000
- Current Mortgage: $500,000
- Maximum Loan Amount: $950,000 (50% LTV)
- Cash to Borrower: $700,000
- Scenario: Borrower with derogatory credit and no income documentation needed liquidity for other investments.
🔁 Rate & Term Refinance Example
- Property Type: Single-Family Fix & Flip
- Property Value: $980,000
- Current Mortgage: $400,000
- Maximum Loan Amount: $490,000 (50% LTV)
- Scenario: Investor sought better terms and longer repayment period on existing hard money loan.
🏠 Purchase Financing Example
- Property Type: Mixed-Use Building
- Purchase Price: $500,000
- Down Payment Required: $250,000 (50%)
- Loan Amount: $250,000
- Borrower Contribution at Closing: $250,000 + closing costs
- Scenario: Buyer with limited documentation was able to secure purchase funding with substantial down payment.
📌 Key Program Features
- Maximum Loan-to-Value (LTV): 50% of appraised value or purchase price
- Credit Requirements: Accepts borrowers with recent derogatory credit events
- Income Documentation: Minimal or no income verification required
- Eligible Property Types: Residential and commercial (restrictions may apply)
🎯 Best For
- Self-employed borrowers
- Real estate investors
- Borrowers with recent bankruptcies, foreclosures, or low credit scores
🏠 Eligible Property Types
Our high-equity loan programs support a wide range of investment property types, from small residential rentals to large commercial buildings.
- Investor 1–4 Unit Properties: Includes single-family homes (SFR), condominiums, townhomes, and duplexes to fourplexes. Must be non-owner occupied.
- Multi-Family (5+ Units): Apartment buildings and multifamily rental properties with five or more units.
- Mixed-Use Buildings: Properties that combine residential and commercial uses, such as apartments over retail stores.
- Commercial Properties: Includes office buildings, retail storefronts, industrial warehouses, self-storage facilities, and automotive-related properties (e.g., body shops, service centers).