Expert Hard Money Lenders in Michigan
As one of the go-to hard money lenders in Michigan, HardMoneyMan.com offers hard money loans in MI with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Investment Property Hard Money Loans in Michigan
The Leader in Hard Money Loans in Michigan
Submitting your application package is quick and easy.
What Is a Hard Money Loan in Michigan?
A hard money loan in Michigan is a short-term loan used by real estate investors to purchase, renovate, or refinance properties. Approval is based on property value if your looking for asset based loans, or based on credit and experience for some projects like rehabs, ground up construction and DSCR loans. These loans are ideal for fix & flip projects, rental properties, new construction, and commercial deals.
Looking for asset based loans in Detroit? Click here to learn how we fund equity-driven deals with no income docs or credit score requirements.
Loan Programs in Michigan
We offer direct funding for:
Fix and Flip Loans Finance up to 90% of purchase and 100% of rehab costs. Fast closings and flexible terms.
Rental Loans (DSCR) Long-term financing based on property cash flow. No income verification required.
New Construction Loans Ground-up funding for builders and developers. Fast draw schedules and scalable capital.
Commercial Property Loans Funding for office, retail, mixed-use, and multi-family properties.
Asset-Based Lending Approval based on equity and exit strategy. Ideal for credit-challenged or self-employed investors.
Top Cities We Lend In
We actively fund deals in:
Detroit
Grand Rapids
Ann Arbor
Lansing
Warren
Sterling Heights
Dearborn
Livonia
Troy
Case Study: Detroit Fix & Flip
Investor: Tasha R.
Loan: $250K at 12%
Timeline: 9 weeks
ARV: $275K
ROI: 14.8%
“HardMoneyMan.com LLC funded my Detroit flip in 8 days. No income docs, no delays—just results.” — Tasha R.
Michigan Fix and Flip Loans
Michigan Construction Loans
Michigan Rental Loans
Michigan Multi Family Loans
Asset Based Loans in Michigan
Commercial Hard Money Loans in Michigan
Michigan Hard Money Lenders – Why Choose Us?
We're in the Business
We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.
We're a Direct Lender
We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.
We're Fast and Efficient
We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days.We’re one of the most efficient hard money lenders in Michigan.
We're Investor Focused
We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.
Frequently Asked Questions
How do fix and flip loans work in Michigan?
Fix and flip loans in Michigan provide short-term funding to purchase and renovate distressed properties, often closing in 7–10 days and covering up to 90% of purchase plus rehab costs.
What are asset based loans in Michigan?
Asset based loans qualify borrowers using collateral value such as property equity or liquid assets, rather than personal income documentation.
How does spec home construction financing work?
Spec home loans fund builders without a pre-sold buyer, with same-day draws tied to milestones like foundation, framing, and final completion.
What is a DSCR loan in Michigan?
A DSCR loan qualifies investors based on rental income covering debt service, allowing approval without tax returns or W-2s.
Do you finance 5+ unit apartment buildings?
Yes. Multifamily loans are available for 5+ unit properties, structured around rental cash flow and property performance.
Are commercial properties eligible for financing?
Yes. We provide asset-based loans for offices, retail, mixed-use, and industrial properties across Michigan.
What equity is required for spec home loans?
Builders typically need 20–30% equity in the project upfront, with lot value often counting toward this requirement.
How fast can I close?
Most Michigan loans close in 8–14 days, depending on documentation and appraisal timelines.
What is the draw schedule for construction loans?
Funds are released in stages: foundation, framing, mechanicals, finishes, and final completion, each verified by inspection.
What exit strategies are available?
Builders can sell upon completion, refinance into permanent financing, or convert the property into a rental portfolio.