FEATURED HARD MONEY LENDERS
 | ACC Mortgage WE ARE THE LENDER! We can do owner-occupied loans in most states. Residential & Commercial Lending To 80% |  Learn More – Contact 800-995-2226 |
 | Oakview Home Loans LLC * Bank statement Loans * DSCR Stated income investor loans * True NO DOC loans available. NO DOC/HARD MONEY * ALTERNATIVE FINANCING * REHAB LOANS * LOANS UP TO 20 MILLION GUARANTEED !! | Learn More – Contact 202-821-3715 |
 | AAMG I have a “warehouse” full of hard/soft money capital to loan to you or your clients right now. Lots of deals fail when borrowers aren’t represented properly.. so we quickly assess your deal for its best shot. We have done deals even when a hard money lender turned down. | Learn More – Contact 801-878-4759 |
 | Insula Capital Group is a hard money and commercial lender led by a team of property flippers and investors with decades of hands-on experience under our belt! We lend nationwide and underwrite in-house for closings as fast as 72 hours! Never get caught waiting on the funding you need again! First time investors are welcomed! | Learn More – Contact 855-434-4633 |
 | Loan Mac We normally close with NO APPRAISAL We can CLOSE IN DAYS with minimal paperwork Most Property types Most loan purposes fix and flip, buy/hold, reposition, construction We can handle last minute Non-QM, bank, or hard money fallout | Learn More – Contact 909-437-4345 |
 | BANC Mortgage We are the BANK and lend in all 50 states. Many loans are bankable if structured correctly. Let our experts examine your situation. | Learn More – Contact 925-231-8111 x100 |
NATIONWIDE HARD MONEY LENDERS
 | Barrett Financial Providing “No Income” Mortgage Solutions Nationwide For Residential & Commercial Property | SUBMIT LOAN SCENARIO |
 | Guardian Nationwide Commercial Mortgage Solutions Fast 7-10 Day Close Available | SUBMIT LOAN SCENARIO |
 | Oak View Bank statement Loans, DSCR Stated income investor loans, True NO DOC loans available. | SUBMIT LOAN SCENARIO |
 | Groves Capital San Diego’s premier home loan lender we understand the hurdles facing home loan shoppers when they cannot go full doc. | SUBMIT LOAN SCENARIO |
 | Change Mortgage Craig Bosse Non QM, DSCR, Stated Income Licensed and authorized to do business in: AZ, CA, FL, ID, NV, NM, OR, TX, WA | SUBMIT LOAN SCENARIO |
 | Red Tower Capital Direct Lender Quick close. All decisions made in house. All types of properties Loan Size: $100,000 to $5,000,000 | SUBMIT LOAN SCENARIO |
 | HO Capital We are a direct money lender, with funds available for loans backed by real estate holdings. We can offer fast approvals on short-term financing and long-term loans in amounts up to $15 million. | SUBMIT LOAN SCENARIO |
 | Asset Backed Lending Partners LLC NATIONWIDE COMMERCIAL BRIDGE LENDER All decisions made in house. Great communication and trust. Fast turnaround. Loan Size: $1,000,000 to $5,000,000 | SUBMIT LOAN SCENARIO |
 | Fortress Square Capital Loan Amounts From $250k To $50.0mm Full Doc / Stated / No Income Verification Programs Lending In 42 States Property Types: Office, Multi-Family, Retail, Industrial, Warehouse, Mixed-Use, 1-4 Unit Residential, Residential Development, Fix and Flip, Assisted Living Fix And Flip With 100% Rehab Dollars | SUBMIT LOAN SCENARIO |
 | Rapid Commercial Loans we specialize in commercial refinances commercial cash outs and hard money loans. Do you want a funding source with integrity, dedication and speed? We can evaluate your transaction in 24 hours or less and, once we receive your relevant information, we can close within days and not weeks. | SUBMIT LOAN SCENARIO |
 | Stratton Equities Stated / No Income Verification, No Tax Returns NOO- Foreclosure Bailouts, NOO- Residential Commercial, Multi-Family, 75K-5M, Asset Based Lender | SUBMIT LOAN SCENARIO |
 | TMD Capital 12 Month Term Up to 90% of Purchase + 100% of Rehab 75% of After Repair Value 75% of Purchase with No Rehab | SUBMIT LOAN SCENARIO |
 | Capital RB Solutions Up to 90% LTV depending on the experience level. We have still been able to get new investors around 80%LTV. We have a investors that usee a realtors license as an experience point and a contractors license as an experience point. | SUBMIT LOAN SCENARIO |
 | Windvest Corporation Direct lender working with investors who are rehabbing residential property. We cover all areas of Southern California. Reasonable rates and terms with same Day underwriting and closing in as little as 10 days. We also offer proof of funds letters to qualified applicants. CA Only | SUBMIT LOAN SCENARIO |
 | Versair Private Money Stated / No Income Verification, No Tax Returns NOO- Foreclosure Bailouts, NOO- Residential Commercial, Multi-Family, 75K-5M, Asset Based Lender | SUBMIT LOAN SCENARIO |
 | Capital Funding Services We have the Hard Money network to get you the money you need! Commercial and Rental Properties ONLY | SUBMIT LOAN SCENARIO |
 | Zeus Hard Money Buy and Rehab, Landlord Loans, Refinance/Cash Out, Non-traditional Borrower | SUBMIT LOAN SCENARIO |
 | Triumph Capital Partners WE ARE A DIRECT PRIVATE LENDER FOR THE FIX/FLIP & GROUND UP COMMUNITIES. LOANS UP TO 90% LTC. | SUBMIT LOAN SCENARIO |
 | APEX is a direct portfolio lender to small business owners who are unable to obtain traditional financing at banks. We lend as low as $25,000 (properties must be worth at least $75,000 to be considered) up to $500,000. By specializing in commercial mortgages secured by many types of real estate, APEX has developed a niche in marketplaces in which the number of community banks providing similar products and services has declined. | SUBMIT LOAN SCENARIO |
 | SAXE Mortgage Direct Private Money Lender for non owner residential and commercial properties. We are located in Northern California and have successfully funded hundreds of millions of dollars worth of hard money loans, using private investors. | SUBMIT LOAN SCENARIO |
 | Commercial Mortgage Corporation WHEN THE BANK SAYS “NO” WE SAY “YES” !!! for over 40 years we have closed challenging loans on Income and Investment Properties ranging from $100,000 to $5 million. | SUBMIT LOAN SCENARIO |
 | Galloway Lending LLC Family run private direct lender (not a broker). We specialize in financing hard money loans for non-owner occupied residential, multi-family, and commercial real estate. | SUBMIT LOAN SCENARIO |
 | Investment Property Financing Financing in the specialized field of alternative loans for all property types . Our company works with rehabbers and commercial property owners to achieve lending terms that meet their current needs and investment goals. | SUBMIT LOAN SCENARIO |
Most lenders structure their loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 50-75% of the market value of the property. This changes with the economy, strength of the deal and borrower. The LTV can also go much higher if you have other properties to cross collateralize or other assets the lender may see as desirable. We have seen instances of a large wine collection, art and coins to name a few.
If you are buying an investment property remember that having “skin in the game” is crucial to getting your loan. The term “skin in the game” refers to having a vested interest in the property or investment. Every lender wants you to having something to lose if the loan goes south. Think of it like this, would you sell your house to someone for just a monthly payment with no money down. Sounds like a risky venture, right? Hard Money Lenders think the same way.
Typically hard money or private money loans close quickly with localized lenders. This is one of the most important parts of the equation. A local lender knows your area and therefore has a greater comfort level. Many times a local lender can make a decision on the spot and forgo the appraisal and other due diligence factors a lender who is far away can’t.
If you are looking for a hard money loan on an investment property, a hard money residential refinance, a land loan or a commercial transaction you need to talk to the lenders below. They can provide you with the facts on how to get your hard money loan. Most are strictly based on LTV (Loan-to-Value Ratio) and can fund quickly. They are waiting for your call and have money to lend you today.