Frequently Asked Questions

Bank loans lean on income, credit history, and long approval steps. Hard money loans focus on the property and your plan, so they can move faster. They usually cost more and run for a shorter term.

Typical rates run about 8.5 to 11 percent for flips and about 9.75 to 11.25 percent for construction. Origination often falls between 0 and 2 points. Each lender sets its own pricing.

Loan sizes commonly range from about $50,000 to $10 million, with flip and construction loans often capped near $5 million. Some programs lend up to 90 percent of cost and up to 100 percent of rehab. Your deal and experience shape the final number.

Many loan programs look at after-repair value, or ARV, when sizing a flip or rehab loan. Some also cap the loan against purchase cost. We help you find programs that fit how your deal is structured.

Some lenders want a track record of completed projects. Others work with first-time investors, sometimes with lower leverage or added reserves. We help you find the right fit for your background.

Flips usually use short-term fix-and-flip loans. Long-term rentals often suit DSCR or other rental loan programs, which can run 30 years. Ground-up projects need construction loans with draw schedules.

Your exit is how you repay the loan, usually by selling or refinancing into longer-term financing. Lenders want a clear plan. A solid exit also protects you if the project runs late.

We review your deal details and share financing options that look like a good fit. It is free and does not obligate you. Final terms come from the lender you choose.