Flexible Real Estate Financing for Every Need

At HardMoneyLoans.com, we understand that every investor, developer, and borrower has unique financing goals. That’s why we offer a wide range of customized hard money loan programs designed to help you move fast, close deals efficiently, and maximize your returns.

Whether you’re flipping your first property, funding a large-scale commercial project, or expanding your rental portfolio, our programs deliver speed, flexibility, and reliability — with loan amounts ranging from $200,000 to $150 million and rates starting as low as 6.99%.

Why Choose Hard Money Loans?

  • Fast Approvals & Closings: Most loans funded within 7–14 days.
  • Flexible Credit Consideration: We look at your asset strength, not just your credit score.
  • Nationwide Coverage: Lending across the U.S., with a focus on California and major real estate markets.
  • Tailored Loan Structures: Short-term and bridge solutions designed around your deal.

At Hard Money Loans, our mission is simple — to empower real estate investors with quick, smart, and scalable capital.

Our Loan Programs

Below are our specialized lending solutions tailored for different investment and property needs:

1. Fix & Flip Loans

Designed for real estate investors looking to purchase, renovate, and sell residential properties for profit.

  • Up to 90% LTC
  • Funding for acquisition and 100% of Rehab.
  • Short-term loans (typically 6–18 months)
  • Fast draws for renovation progress

Ideal for: Experienced investors, rehabbers, and flippers looking to scale.

2. Ground-Up Construction Loans

For builders and developers constructing new residential or commercial properties.

  • Financing for land purchase + construction costs
  • Flexible draw schedules
  • Available for single-family, multi-family, and mixed-use projects
  • Loan amounts up to $150 million

Ideal for: Developers launching new builds with strong exit plans.

3. Stabilized Bridge Loans

Perfect for investors needing short-term capital to stabilize a property before refinancing or sale.

  • Quick closing and flexible terms
  • Great for transitional or value-add properties
  • Can be used for refinance or acquisition

Ideal for: Investors repositioning properties or awaiting long-term financing.

4. Commercial Hard Money Loans

Tailored for commercial property owners needing fast, flexible capital without traditional bank hurdles.

  • Available for office, retail, industrial, and mixed-use assets
  • Loan terms up to 36 months
  • Competitive LTV and interest-only payments

Ideal for: Business owners and investors seeking quick access to large-scale financing.

5. Single Property Rental Loans

Long-term financing for stabilized single-family rental investments.

  • Up to 85% LTV
  • Funding for both acquisition and rehab
  • Short-term loans (typically 6–18 months)
  • Fast draws for renovation progress

Ideal for: Investors growing single-family rental portfolios.

6. Rental Portfolio Loans

Consolidate multiple properties into one simplified loan.

  • Financing for 5+ properties
  • Streamlined management and payments
  • Fixed or floating rate options available
  • Based on DSCR and property performance

Ideal for: Institutional investors or landlords with multiple rentals.

7. Land Hard Money Loans

Financing for entitled or shovel-ready land parcels.

  • Based on land value and exit potential
  • Quick funding to acquire or hold land
  • Short-term bridge structure

Ideal for: Developers securing land for future construction.

8. Hotel Hard Money Loans

Specialized funding for hospitality assets, including motels and boutique hotels.

  • Flexible underwriting for seasonal revenue
  • Fast bridge financing for acquisitions or renovations
  • Loan amounts up to $50 million+

Ideal for: Hotel owners needing capital for upgrades or expansion.

9. Foreign National / ITIN Loans

Dedicated loan programs for international investors and borrowers without U.S. credit history.

  • No SSN required (ITIN accepted)
  • Simple qualification process
  • Lending available nationwide
  • Flexible LTV based on asset value

Ideal for: Foreign nationals investing in U.S. real estate.

Partner with a Lender That Understands Real Estate

At HardMoneyLoans.com, we don’t just fund deals — we build relationships. Our team of real estate finance experts brings decades of experience, ensuring every transaction is handled with precision, speed, and transparency.

When you work with us, you gain more than a lender — you gain a partner committed to your success.

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