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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
Rates start at only 4.99% for longer-term loans
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% of the purchase and up to 100% of rehab costs (10% down)
Renovation financing is available
Must be non-owner occupied
Nationwide lending

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 $5M
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
Up to 85% LTVs with an individual Taxpayer Identification Number (ITIN) and other documentation (15% down)
Up to 75% LTV without an individual Taxpayer Identification Number (ITIN), tax records, FICO or income verification (25% down)

No Application Fee – No Obligation – 100% Secure

One Inquiry- Multiple Lending Sources

Successful Loan Applications

894

Fix & Flip Loans

Apartment & Rental Portfolio Loans

238

Construction Loans

162

Credit Lines

141

Commercial Loans

Foreign Nationals

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