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.

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Investment Property Hard Money Loans in Michigan

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The Leader in Hard Money Loans in Michigan

Submitting your application package is quick and easy.

American Association of private lenders member

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.

Infographic showing Michigan’s real estate metrics including $213K median home price, 6.7% ARV growth, strong rental demand, top cities, and 48% equity-rich properties

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.

Visual explainer of Michigan hard money loans, highlighting fast funding, asset-based approval, and suitability for fix & flip, rental, and new construction.

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

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Michigan Construction Loans

Michigan Rental Loans

Michigan Multi Family Loans

Promotional graphic with bold red and black text reading "ASSET BASED LOANS – NO CREDIT REQUIREMENTS," highlighting alternative financing options for real estate investors based on property value rather than credit history.

Asset Based Loans in Michigan

Bold red text on a black background reads "COMMERCIAL HARD MONEY LOANS" — promotional graphic emphasizing financing for commercial real estate investors.

Commercial Hard Money Loans in Michigan

Michigan Hard Money Lenders – Why Choose Us?

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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. 

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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.

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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.

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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. 

FAQ’s for Hard Money Lenders Michigan

Its not hard to get a loan from Michigan Hard Money Lenders if that company is HardMoneyMan.com LLC. We work with all types of investors, from the first time rehabber to the extremely experienced.
Yes, a credit pull is required by many lenders. The reason we look at credit is to make sure the person we are lending to has a good history of repaying previous monies they have borrowed, which tells us the likelihood of us getting repaid on our loan.
Good terms for a Michigan hard money lender all depend on if that lender specializes in what your looking to get funded. Typical loan terms are as follows Rehab loans - up to 85% purchase , 100% repairs Ground up construction loans - up to 75% of lot and 100% construction Cash out refinances or purchases on rent ready properties - up to 80% on the purchase, up to 75% on a cash out refinance.
Yes you can pay off a hard money loan in Michigan early. Just make sure you know if the loan you are paying off has a prepayment penalty. Most lenders do not have a prepayment penalty on one year loans (bridge loans), however most 30 year loans do have some form of a prepayment penalty (3 or 5 years).
We do pull credit and require a 620 mid score for rehab loans , 620 mid score for ground up construction loans and 660 mid score for rent ready investment property loans.