Your credit score doesn't define your deal. We underwrite based on property value and your exit strategy — not your financial past. Credit challenges accepted on a case-by-case basis.
Traditional lenders put your credit score first. We put the property first — because a strong deal is a strong deal, regardless of your financial past.
We evaluate current value and After-Repair Value (ARV). A well-priced asset with solid upside creates the foundation of your approval.
How do you plan to repay? Flip, refinance, or rent — a clear, credible exit strategy carries more weight than a credit score ever could.
We review your file case-by-case. Experience is a plus but not always required. We look at the full picture, not just one number.
Hard money loans are built for speed. Close in days, not months — so you never miss a time-sensitive investment opportunity.
If a conventional bank turned you down, that's not the end of the road. Our program is built for borrowers in these situations.
Your credit took a hit, but you know how to execute a deal. Your track record and the property speak for themselves.
Investors buying distressed properties to renovate and resell. A strong ARV and realistic rehab budget is what we want to see.
New to real estate but have a solid deal? We evaluate each scenario individually — experience helps, but isn't always required.
Medical debt, divorce, bankruptcy, or job loss — life happens. If you're rebuilding with a strong deal, we want to hear your story.
Build your rental portfolio using the property's income potential — not your personal income — to support the loan via DSCR.
Traditional bank timelines kill deals. If you need to close fast on a competitive property, hard money is the right tool.
Multiple financing structures designed for real estate investors at every stage — from quick flips to long-term holds.
Finance acquisition and renovation of distressed properties. Designed for investors who buy, improve, and sell for profit.
Short-term capital to bridge the gap between acquisition and long-term financing. Fast funding when timing is everything.
Build your rental portfolio using the property's income to qualify — not your personal W-2. Ideal for buy-and-hold strategies.
No smoke and mirrors. Here's exactly what our underwriting process evaluates — so you can come prepared.
Location, condition, market comparables, and realistic ARV. The deal has to stand on its own.
Typically 20–35% down depending on loan type, property condition, and borrower profile.
Sell, refinance, or rent? We need a realistic repayment plan. Specific exits accelerate approvals.
Liquid reserves to cover carrying costs or unexpected rehab expenses may be required depending on scenario.
Credit is reviewed but not the primary factor. Scores from 500+ are considered. Derogatory marks evaluated in context.
Take 2 minutes to submit your deal details. Our team reviews every submission personally and responds within 24 business hours. No automated rejections based on credit alone.
Submit your deal — no obligation, no hard pull to start.
By submitting, you consent to be contacted regarding your inquiry. We do not sell your information. Not a guarantee of approval.
A team member will review your submission and reach out within 24 business hours. Keep an eye on your inbox.