The Largest Real Estate Private Investment Marketplace

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A loan from a private lender is an asset-based loan secured by real property. Because the loan is secured by the value of the property, income verification and credit scores are not usually the primary deciding factors in credit extension.

We offer over 20 lending programs, including:
  • Fix & flip and fix & rent loans
  • Single-family rentals and rental portfolio loans
  • New construction and redevelopment loans
  • Foreign nationals’ single family and foreign nationals’ investment property mortgages 
  • Commercial real estate loans
  • Terms rang from short-term 12-month loans to long-term 30-year loans
  • Loans starting at $75,000
  • Asset-based lending with minimal credit score requirements
  • Interest only loan options

How is a hard money loan or a private loan different from a traditional mortgage?

A private loan, sometimes called a bridge loan or a hard money loan, is a loan that is secured by a hard asset, such as residential or commercial real estate. When making a lending decision, a private lender is mostly concerned with the value of the property being used as collateral, as opposed to the borrower’s credit score or other factors. Unlike traditional bank lenders, private lenders are more flexible with lending requirements, such as down payments, credit scores, and income verification.

Do I need a down payment?

What is most important to a private lender is the loan-to-value (LTV) ratio of the property being financed. The LTV is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. Lenders require a  minimum of 10% down payment of the purchase price. The down payment required for each loan program is discussed in greater detail below. 

Do I need a good credit score?

Most lenders do not require a good credit score or income verification. Some lenders will accept bank statements or other financial records if income can’t be verified.

Should I pay a lender an application fee?

You should not pay a lender an application fee, and our lending partners do not charge an application fee. A legitimate lender should examine an application without requiring a fee.

Loan Programs

Fix & flip loans and Fix & rent: non-owner occupied

  • Single-family, condos, townhomes, multifamily
  • $75K – $2M
  • Up to 90% LTV and up to 100% of rehab costs for experienced investors (10% down)
  • Up to 80% LTV and up to 100% of rehab costs for new investors (20% down)
  • Must be non-owner occupied
  • Nationwide lending 

As Repaired Value Loan

  • Allows borrowers to finance improvements based on the property’s “as repaired value.”  Most hard money lenders use loan to value (LTV) for qualification. This loan program uses as repaired value (ARV)
  • A short-term loan for improving property value. Designed for real estate investors seeking a short-term, interest-only loan to maximize appreciation
  • Great for borrowers who need a quick close
  • An interest-only, 1-year term to lower monthly payments
  • A higher LTV than hard money lenders
  • Property Types: Single family, single family rental, condo, up to 4 units

Airbnb properties, VRBO rentals, and vacation homes.

  • Up to 75% LTV on purchases
  • Up to 70% LTV for cash-out refinance – 12 months of short-term income verification required
  • 5, 10, 30-year options
  • Fixed rate, ARMs, fully amortizing, interest only, or balloons

Rental portfolio loans 

  • 5+ rental properties
  • $500K – $100M+
  • Up to 80% LTV for rehab and 75% LTV for currently leased
  • 5, 7, 10, and 30 year terms
  • Interest-only payments up to 10 years
  • Non-recourse option is available
  • Leased portfolio
  • Nationwide lending

Credit lines

  • 1-500+ properties
  • Single-family, 2-4 units, condos, townhomes, multifamily
  • $100K – $50M
  • Up to 90% of assessed value
  • Fixed and floating rate options
  • Renovation financing is available
  • Nationwide lending

Construction loans

  • Single-family homes to larger, multi-family properties
  • Up to $25M
  • Redevelopment, conversion, and condo loans
  • Up to 85% of the project cost
  • Nationwide lending

Commercial loans

  • Office buildings, retail stores, warehouses, self-storage buildings, automotive repair shops, hotels, and motels
  • 60% to 75% LTV
  • A simple financing solution for a purchase or cash-out refinance
  • Flexibility to remain in the loan for up to 30 years
  • Lower monthly payments than a traditional hard money loan
  • A 3-year or 8-year fixed-term amortized over 30 years

Foreign nationals

  • Foreign nationals with or without U.S. permanent residency
  • From $100K homes to $10+ million luxury properties
  • Owner-occupied homes, vacation homes, residential and commercial investment properties
  • No FICO score, social security number, Green Card, or visa required
  • Owner occupied homes, vacation homes, residential and commercial investment properties

No Application Fee – No Obligation – 100% Secure

One Inquiry- Multiple Lending Sources

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Fix & Flip Loans


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Credit Lines


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Foreign Nationals

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Springfield, MA 01108

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