Frequently Asked Questions

Frequently Asked Questions (FAQ)

What is private money lending?

Private money lending provides fast, asset-based loans for real estate investors and business owners. These loans are funded by private capital and are typically secured by real estate, not based on credit scores or tax returns like traditional bank loans.

Who do you lend to?

We work with:

  • Real estate investors

  • Builders and developers

  • Landowners and flippers

  • LLCs, LPs, and real estate holding companies

  • Borrowers who need fast closings or don’t qualify for traditional bank financing

What types of loans do you offer?

We fund a wide range of real estate-backed business-purpose loans, including:

  • Fix and flip loans

  • Rental portfolio loans (DSCR)

  • Bridge loans for acquisitions

  • Cash-out refinances

  • Construction and land loans

  • Short-term or time-sensitive deals

How fast can I close?

Most loans close within 7 to 14 business days. We can close faster if needed, depending on title, appraisal, and property type.

Do you check my credit?

Our loans are primarily asset-based. We focus on the value and income of the property—not your personal credit score. Some lenders may review credit lightly, but we do not rely on high FICO scores to fund a deal.

How much can I borrow?

Loan amounts typically range from $100,000 to $50,000,000 or more, depending on the property value, location, and overall strength of the deal.

What are your rates and terms?

Typical private money loan terms:

  • Loan-to-value (LTV): up to 75%

  • Interest rate: 8% to 14%

  • Origination fees: 1 to 3 points

  • Term length: 6 to 36 months

  • Payment: usually interest-only

Final terms are based on the deal structure, property type, and borrower experience.

Do I need an LLC?

We generally prefer to lend to LLCs or legal business entities, but we will review loans made to individuals if the use is strictly business-related.

What states do you lend in?

We lend nationwide. Focus markets include:

  • Washington

  • California

  • Texas

  • Florida

  • Oregon

  • Arizona

  • Colorado

  • Georgia

  • New York

We can fund in all 50 states on a case-by-case basis.

What is a DSCR loan?

A DSCR (Debt-Service Coverage Ratio) loan is based on the rental income of the property—not your personal income. These are ideal for rental property owners who want long-term financing with minimal documentation.

Can I get a no-money-down loan?

In some cases, yes. We may be able to offer 100% financing if:

  • You have strong equity in other properties

  • You are purchasing deeply discounted real estate

  • The asset has strong income or resale value

What documents do I need to apply?

You’ll typically need:

  • Purchase contract or payoff information

  • Property address and photos

  • Business entity documents

  • Rent roll or income statement (if applicable)

  • Appraisal or BPO (if available)

We’ll walk you through the rest during underwriting.

How do I apply?

Click the “Apply Now” button or contact us directly. We respond quickly and can issue preliminary terms in 24–48 hours.

Still have questions?

We’re here to help. Contact us today to speak with a lending specialist and get answers about your real estate project or refinance needs.