Private Money Loans - Direct Hard Money Lenders & Brokers

Make 12-25% with
an investment secured
by real estate

Direct Private/Hard Money Lender Has Your Solution

As a direct private money lender, we have direct access to the investor who has the ability to write a check on qualifying residential and commercial properties. For years, we have been a source of quick private money funds for Mortgage Bankers, Brokers and Direct Borrowers. When conventional financing does not work for your property, our network of private investors offers a viable financing solution.

How Private Equity/Money Works

Private money loans are very simple, they are based upon the available equity in a property. In general, the maximum loan to value for a single family home is 65%, raw land is 50%, and income producing property can go as high as 70%. If your current loan to value is above these ratios, then private money may not be applicable to your property. However, there may be another solution...if you have additional properties with equity, we can sometimes use the equity in those properties to assist in securing a loan on the property that is short on equity, This is called cross-collateralizing.

Why Borrowers Choose a Private/Hard Money Loan

There are all sorts of reasons for using Private money as opposed to going through a bank or mortgage company. Many times an investor finds a deal that must be closed....FAST! Banks and mortgage companies take a minimum of three weeks upto a normal turn-time of 2 months to close a loan. They just can't move fast enough. Sometimes a property needs extensive rehab work and banks don't want to loan on a property that is not in re-sellable condition if the borrower defaults. Private money invesors/lenders know the property is being bought to be rehabbed and they look at the after repaired value of the property, not the value of it as it sits. A bonus to that is if the property is bought at a deep enough discount, many times the Private money lender will include rehab funds in the loan amount. The investor doesn't have to dig into his own pocket or take out an additional loan to rehab the property. Paying 15% interest and five points seems pretty steep to those not in the real estate investing industry. But, on a six month turnaround, paying the interest and points on a deal can be a lot better than having to take on an equity partner to finance a deal and then having to split the profit with him 50/50. Most investors would rather pay a high interest rate for a short amount of time than give away half of a deal.

It's The Availability Of Capital, Not The Cost Of Capital That Will Make You Wealthy

Private money loans available For:

Acquisition or Refinancing
All Property Types
Construction/Development/Rehab

Hard Money Loans are Available for the Following:


Apartments Amusement Parks Apartments Assisted Living Centers Auto Care Centers Auto Dealerships Bowling Centers Car Washes Casinos Child Care Centers Condominiums Congregate Care Facility Convenience Stores Distribution Centers Fitness Centers Franchises Funeral Homes Gas Stations Golf Courses Historic Hospitals Hotels/Motels Independent Living Facilities Industrial Parks Industrial Buildings	Jumbo Home Developments Land Developments Marinas Medical Clinics/Medical Offices Mini Warehouses Mixed Use Properties Mobile Home Parks Movie Theaters Offices (Multi-Tenant Single Tenant Warehouse) Nursing Homes Office Buildings Outlet Centers Parking Garage Malls Rehabilitation Facilities Resort Restaurants Retail (Anchored Single Tenant Unanchored) Single Family Skilled Nursing Facility Special Purpose Property Time Share Truck Stop