Loan Programs
Find the best loan for your investment
Loan Options for Every Investment Strategy
Hard Money Man offers a large selection of loan options for our investors. From fix and flip loans, to new construction, to rental loans and more, we’ve got the perfect loan for your needs.
![image1-31](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_918,h_612/https://hardmoneyman.com/wp-content/uploads/2021/12/image1-31.png)
New Construction
- 12-24 Month Loan
- Loans from $100k – $3M
- Up to 75% of Initial Advance
- Up to 90% total loan to cost
- Rates Start at 7.99 to 12%
- Must have 1 or more new build and sale in the last 36 months to qualify
![image2-33](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_1226,h_824/https://hardmoneyman.com/wp-content/uploads/2021/12/image2-33.png)
Fix and Flip (ARV Loans)
12 Month term (18 months available on larger projects)
Loans from $50k Loan Amount to $7M
Up to 90% of the Purchase and 100% of the repairs
Rates Start at 7.49%
![image1-31](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_1590,h_828/https://hardmoneyman.com/wp-content/uploads/2021/12/image4-37.png)
30 Year Rental Loans for Landlords
5/1 ARM, 7/1 ARM, 10/1 ARM, 30 Year Fixed
Loans from $50k to $2M
Up to 80% Loan to value on purchases
Up to 75% Loan to value on refinances
620 Mid credit or better
Rates from 3.75%
Interest Only Options Available
![image3-35](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_1404,h_950/https://hardmoneyman.com/wp-content/uploads/2021/12/image3-35.png)
Rental Financing (Buy to Rent)
12 Month Term – no DSCR requirements, no pre-payment penalty
24 Month Term – Bridge Loan based on DSCR with 6 month Pre-Payment Penalty
Qualify on property DSCR 1.2 or better
620 Mid credit and up
Up to 80% loan to value on purchases for qualified borrowers/properties
Up to 75% loan to value on refinances for qualified borrowers/properties
Rates Start at 7.49%
![image2-33](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_1656,h_810/https://hardmoneyman.com/wp-content/uploads/2021/12/image5-39.png)
5 to 20 Unit Apartment Buildings and Mixed Use
Rehab Loans
- 18 Month term
- Loans from $250k to $10M
- Up to 80% Loan to cost
- Rates from 7.49%
- 680+ Mid Credit Required
Stabilized Long Term
- 30 Year Term
- Loans from $250k to $3M
- Up to 75% Loan to Value
- Rates Start at 4.5%
- 680+ Mid Credit Required