Spec Home Construction Loans

• 12-24 Month Loan
• Loans from $100k – $3M
• Up to 70% of lot + 100% build cost
• Up to 80% total loan to cost (Lot + Build x 80% = max loan)
• Rates Start at 11%to 12%
• Must have 3 or more new build and sale in the last 36 months to qualify
• 680+ mid credit required

Fix and Flip (ARV Loans)

• 12 Month term (18 months available on larger projects)
• Loans from $50k Loan Amount to $3M
• Up to 90% of the Purchase and 100% of the repairs
• Rates Start at 10%
• Close in as little as 7 days 

Flipping houses? Our Hard Money Loan for House Flip page breaks down the process, funding structure, and how to close fast—even if it’s your first deal.

Short Term Rental Loans – Stabilized Bridge

12 Month Term – no pre-payment penalty

• Qualify on property DSCR 1.00 or better
• 650 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 11%

5+ Unit Apartment Buildings and Mixed Use

Stabilized Long Term Only 

• 30 Year Term
• Loans from 100k to $5M
• Up to 70% Loan to Value
• Rates Start at 10%
• 650+ Mid Credit Required
• Sub 650 mid score available at 50% loan to value
• Must have 80% occupancy
• NOT for properties in need of rehab

Commercial Hard Money 

• Retail, Strip Malls, Warehouses, Automotive, Office Buildings
• 100k – 5M loan amounts 
• NO rural properties 
• Not for properties in need of rehab 
• Up to 70% loan to value with 650+ mid score 
• 50% loan to value under 650 mid score