Investment Property Loan Programs
Hardmoneyman .com LLC provides the most competitive loan programs for investors nationwide.
Investor-Focused Loan Programs
HardMoneyMan.com LLC has funded over $500M in real estate deals since 1998. Led by Ken Vesely, a seasoned private lender with 25+ years of experience, we offer fast, flexible loan solutions tailored to investors nationwide. Whether you’re flipping your first property or scaling a rental portfolio, we’ve got the right loan for you.
Loan Options for Every Investment Strategy
HardMoneyMan.com LLC offers a large selection of Investment Property 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. Fast closings from a direct lender in as little as 7 days. Get approved within 30 minutes. Just click Apply here on the top of the screen to get started.
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.
30 Year Rental Loans for Landlords
DSCR Program
- 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
- 660 Mid credit or better
- Interest Only Options Available
No DSCR Requirement program
- 30 year fixed
- Loans from 50k to 2m
- 1-4 unit residential only
- up to 70% loan to value
- no debt service requirements
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
FAQ's
Frequently Asked Questions
How fast can I close?
We offer same-day decisions and closings in as little as 7 days.
Do you lend on mixed-use buildings?
Yes, we fund mixed-use and small apartment buildings up to 20 units.