Answers to Your Top Questions
1. What types of loans do you offer?
We provide private money loans for non-owner-occupied investment properties. This includes:
Purchase loans (fix & flip, rental, and investment acquisitions)
Refinance loans (standard or cash-out)
ARV (After Repair Value) loans for rehab projects
2. Who qualifies for a private money loan?
Borrowers must be operating as a U.S. business entity (LLC, corporation, partnership, or trust). A personal guarantor is required for anyone with 30%+ ownership. Credit score, borrower experience, and property equity are all considered, but private lending is far more flexible than traditional banks
3. What property types are eligible?
We fund a wide variety of non-owner-occupied properties, including:
Single Family Residences (SFRs)
Duplexes, triplexes, and four-plexes
Condos and townhomes
Multifamily properties
4. How much can I borrow?
Loan amounts range from $30,000 up to the local FHA cap, depending on the deal. Funding is typically up to 65–70% of the appraised value or 70% of the ARV for rehab projects.
5. Do you require perfect credit?
No. While credit is considered, private money lending is asset-based, meaning the property and its equity are the primary focus. Borrowers with less-than-perfect credit or complex financing structures are often approved.
6. What are your loan terms?
Most loans are interest-only, with terms ranging from 3 months to 24 months. There are no prepayment penalties, so investors can exit early without added cost.
7. How fast can you close a loan?
Closings can happen in as little as 72 hours to 3 weeks, depending on property documentation, appraisal, and borrower readiness. This speed makes private money lending ideal for time-sensitive investments
8. Can I use multiple properties as collateral?
Yes. We allow cross-collateralization, which means you can pledge more than one property to secure a loan. This often helps borrowers maximize available funding.
9. What costs and fees should I expect?
Borrowers are responsible for:
Down payment & closing costs
Licensed contractor bids (for rehab projects)
Appraisal or renovation reports
Broker origination fee (typically 1–3%, paid at closing)
10. What makes private money different from a bank loan?
Speed: Private lenders can fund in days, not months.
Flexibility: We look at equity and exit strategy, not just credit scores.
Higher Leverage: Up to 100% of purchase price (not to exceed 70% ARV).
Accessibility: Ideal for borrowers who were denied by banks or need creative financing
