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Get Access to Hard Money Lenders Now!
Get Access to Hard Money Lenders Now

Need Access to Hard Money Lenders for Ongoing Real Estate Investment Projects?

Full Service Brokerage Specifically for Real Estate Investors
As a full-service Private Hard Money broker for real estate investors, our team at Investorprivatemoney.com goes through great lengths to make the process as effortless as possible. We dig in and quickly analyze your deal to make sure we can get it done the way you want us to. After all, it’s your exit strategies and numbers that must make sense for us to fund it for you. Our promise to you is no more awkward calls to strangers for funds or worry about the HUD-1, pulling title or other documents.

Regardless if you need fix and flip loans, a rehab ARV loan, or a cash-out refinance we can likely get it done. Investorprivatemoney.com is known for timely and easy access to the money you need. Our lender pool is equity-based which means we care more about the property’s merits, and don’t focus on poor credit, or some of the other factors conventional lenders use to rate the risk

Our Process

  • Get a contract and have the legal description and agreement points.
  • Contact Investorprivatemoney.com and make application as soon as possible.
  • Provide Required Documents
  • Funding
It’s important to make application as soon as you have the contract in hand. Reason is time is fleeting and the lender needs time to approve and underwrite in a timely fashion to make your closing. Time is one factor we can’t control but the quicker we have the information required to fund the quicker we can get you funding. Note: Investorprivatemoney.com is committed to safeguarding the confidential information that our clients entrust to us. We take all necessary actions to protect the confidentiality and security of all client information. Investorprivatemoney.com never shares client information with anyone outside of the company without the express written consent of the client.

More About Hard Money Loan Documents

Please be sure to provide documents as you obtain them rather than waiting to have them all collected to submit.

More About Funding

We can fund in just days assuming all documents are in order and relative to the loan type, although majority of our loans fund in 10-14 days. All funding timelines are based upon the integrity & credibility of the Borrower.

Building A Long-Lasting Relationship With Us

At Investorprivatemoney.com our goal is to obtain your consistent long term deal flow through hard work and communication. Yes, we are bulldogs when it comes to communication and clarity while working for you the client and we do so tirelessly to get the loan and terms you are looking for. Our investor clients improve the family neighborhood and allow everyone the chance to live the American dream, whether that means buying a newly remodeled dream home or renting a house or apartment in their favorite neighborhood.

We recognize the extremely important role real estate investors play in our local communities, and our mission is to make it simple and affordable for them to continue revitalizing and stabilizing neighborhoods. The reward in doing so is usually consistently faster processing, better rates and funding. Only makes sense that if you are willing to bring your opportunity to us, we should afford a comparable reward in kind.

Pick Your Loan Type

Fix and Flip Loans

By definition, “Fix and Flip” loans are short-term loans which are used by real estate investors to get and improve a property to then sell as fast on the open market as possible for a profit.

Investorprivatemoney.com offers loans which are a helpful alternative for real estate investors who do not otherwise have access to all the capital required to make a project work like a Fix and Flip work on their own but still want to take part in the local fix and flip market. And for the more experienced well-capitalized investors who are looking to leverage their equity position to do more than one deal at once.

  • Non-Owner Occupied Single Family Residential (1-4 Units)
  • Investment Purpose: Acquisition, Cash-Out, Refinance, Rehab
  • 90% Purchase; 100% Rehab Not To Exceed 65% Loan To Value; Cash-Out Refi 50%
  • Rates: 8%-15%
  • Term: 6-24 Months
  • Long-Term Rental Loan Program
  • Obtain fixed-rate financing for the purchase or refinance of rental properties.
  • 30-year options available.
  • Available for non-owner occupied single (1-4) residential real estate, townhomes, and condos.
  • Interest rates for this program start at 3.85%
Apply Now

Fix and Hold Loans

Fix and Hold Loans Real Estate Investors are turning to fix and hold loans rather than traditional loan resources to build up their rental portfolio because it benefits them by not having to have so much of their own cash tied up in the investment property.

The “Fix and Flip” short term loans are for properties that investors buy, renovate, and sell off in a short period. The “Fix and Hold” loan is utilizing the same “Fix and Flip” short term loan but after the property has been renovated the investor holds the property as a long-term income property for either its appreciation and/or cash flow.

Investorprivatemoney.com “Fix and Hold” loans can come in handy when the investor needs money to re purpose or renovate a space. This would work well for a town home or a commercial property much the same. The “Fix and Hold” loan would offer the means to convert a space and any other changes or repairs before placing the property up for rent.

  • Fix and Hold Single Rental Property
  • Individual rental properties
  • Single-family, 2-4 units, condos, townhomes
  • Currently (or soon) leased
  • $67.5K – $1.9M
  • Up to 75% of value
  • Fixed rates
  • 30 year term
  • Purchase or refinance
  • Individual or LLCs
  • Foreign nationals eligible
Apply Now

Refinance Loan

Our lending sources offer yet another way to help investors with “Fix and Hold” property loans. Once the investor has waited passed the typical seasoning period of the initial “Fix and Hold” loan, which can be anywhere between 90 days and a year, they then can refinance.

As fact, “Fix and Hold” loans offer several of the very same venues of financing as traditional loans although they offer much more flexibility to the investor and are structured a bit differently after a few months of required seasoning.

Traditional lenders have stringent guidelines which always require credit checks, and a down payment that can go up to as much as 25% for non-owner-occupied investment properties. In addition, the investor may be confronted with higher interest rates and longer time to process and ultimately fund the loan.

Programs offered through investorprivatemoney.com are more competitive because they use direct private lending sources. Private lenders generally require less skin in the game for the non-owner-occupied investment properties. Have faster turnaround times to fund and close and the best part is after you buy the property and have waited through the designated seasoning period you can refinance, pay the loan off, reboot so to speak and do the same on another investment property. And repeat the process over and over again.

Our streamlined process means you can close your loan quickly and without hassle.

Apply Now

Cash-Out Refinance Loan

Access to capital through a loan process for your private Refinance Loan.

Keep in mind that most if not all Cash Out Loan Lenders require you make payments on the original mortgage for at least 12 months or for the loan to season before allowing you to apply for this type of loan.

With a Cash Out Refinance Loan, the initial goal is to replace an existing mortgage with one that creates a lower monthly payment and cash in your pocket at closing.

These types of loans are often utilized instead of personal loans to also.

  • Consolidate debt by refinancing a qualifying existing mortgage and by reducing its monthly payments
  • Lower the interest rate
  • Provide an equity line of credit or
  • Change the loan program from an adjustable-rate mortgage to a fixed-rate mortgage.
Apply Now

Construction Loans

What is a Residential Hard Money Construction Loan?

Residential hard money construction loans are one the best alternatives in the market today for those who are looking for a viable fast alternative to traditional banking and may already own the lot to be developed.

Below are just a few of the reasons when a residential hard money loan might be appropriate.

  • Single Family
  • Build to Rent/Flip
  • Asset Based
  • Quick Close

We will lend up to an agreed percentage of the total land plus development cost or the as completed appraised value. This is an asset-based loan and value we will be determined on the value of the overall deal presented.

Note: All Lots must be contracted to close prior to the closing of the construction loan.

The portion of the loan allocated to construction costs will be held back and advanced on invoices for approved completed work.

Apply Now
more about HARD MONEY LENDERS & HARD MONEY LOANS

What is a hard money loan?

A hard-money loan is one which private lenders provide short-term loans to individuals purchasing residential or commercial real estate typically with the intent to fix and flip or fix and hold the property. Investors use hard-money lenders to acquire investment properties relatively quickly. Hard-money lenders are considered private lenders, and do not use conventional standards to extend credit to borrowers. A borrower uses a hard-money loan as a temporary, short-term loan solution until he can either flip the property for a quick gain or acquire more conventional financing for the property.

Why Are Hard Money Loans Great for REI?

The benefit of hard-money loans to REI are many but the following jump out the most:

Quick Application, Approval, and Funding Process

The process to get a hard money loan from Investorprivatemoney.com is easy! We only require a simple loan application and review process that could be approved within days. Most banks and lenders on the other hand have a long and detailed application and approval process. Sometimes you have to wait several weeks for an approval or even a response.
Investors need to act quickly in order to get good deals. As a result, REI’s rely on the speed of their funding to get these deals. Banks can take up to six weeks while we can fund your deal in days.

Bring Some Weight to Purchase Offers with a Proof of Funds Certificate…

Offers made with hard money loans bring some weight rather than letters of intent in the real estate industry. Investors know that banks are demanding and could pull their funding at the last minute. Bring an offer backed by Investorprivatemoney.com and they’ll know that you’re a serious buyer who’s ready to make a purchase.

Get More Deals

Some real estate investors stick all their money into one project.

But savvy real estate investors use hard money loans to purchase properties instead of cash. This way they’ll have more money to purchase more properties or finish other projects. And we don’t require any monthly payments, closing costs, or down payments! They’re all rolled into the loan. Keeping even more money in your pocket!

Free-up Equity in Currently Owned Properties

You never know when a great real estate investment opportunity is going to come up. When they do, investors often need to act quickly to secure the deal. Coming up with the funds in a short period of time when all of your money is tied up can be difficult. Luckily, at Investorprivatemoney.com we also offer short-term Bridge or Refi loans for those who have enough equity in their property.

Hard Money Lenders

What is a hard money lender?

A hard-money lender is one who provides short-term loans to individuals purchasing commercial or residential non owner-occupied real estate. Investors use hard-money lenders to acquire investment properties within days rather than what could take weeks at traditional funding institutions or banks. Hard-money lenders are typically private resources who do not use conventional standards to extend credit to borrowers.

Are hard money lenders, private lenders?

Majority of high risk, min doc. Real estate backed type loans would be considered to be funded more widely through private lenders versus the more conservative traditional banks or entities.

What Is The Difference Between Hard Money and Soft Money?

  • Hard money and soft money are assumed that hard money is liquid cash or cash on hand while soft money is the money on paper. These definitions are not true however these terms are used to refer to money loaned and the purpose behind these loans.

Apart from the differences stated below, there are some common types between hard money vs soft money —

  • Both these loans are used to purchase real estate.
  • Both these loans can be used to purchase an investment property.
  • Even though it’s not the only factor considered in Hard money, both these loans consider borrowers history.
  • Both these types of loans require down payment and or collateral.
  • Interest payments are mandatory throughout the loan term.

What sets Hard Money and Soft Money Loans apart?

  • Hard money loans are set up for a specific use and timeline for payback whereas soft loans have no specific intention or use.
  • Hard money loans usually cost more due to risk and Soft Money Loans charge less.
  • Hard Money Loans are asset based to whereas Soft Loans are typically Credit Score Based.
  • Hard Money at times is more difficult to obtain because it is asset based and must have collateral versus the Soft Money Loan which is Credit Based and easier to obtain.
  • Hard Money Loans are typically for distressed or properties in need of repair to return to the market and Soft Money Loans are for properties that need no repairs and are market ready.
  • Hard Money Closing could be just days to whereas Traditional funding of Soft Money can take weeks or a full month in some cases.
  • Hard Money Loans have much more flexibility on their structure and criteria. Soft Money Loans must follow a strict set of guidelines.
  • Hard Money Loans require far less paperwork than Soft Money Loans.

Benefits of Letting Us Manage Your Hard Money Lender Relations

Using our services allows the investor to automate his business model, focus on finding more projects, increase ROI’s and get help with loan application management processing with various unique lenders nationwide.

Private Lenders vs. Traditional Lenders

There are a number of views regarding the difference between a “private lender” and a “hard money lender”. In my opinion, they are about the same – a non-institutional lender offering short-term mortgage loans to real estate investors.
A private lender is an individual investor who lends his/her own money and may not charge any points/origination fees.
A hard money lender is a private lending company that charges points and may get their funds from investors.”
However, the lending companies which many real estate investors refer to as “hard money lenders” will commonly refer to themselves as a “private lender” or a “private money lender.”

Get funding for your next REI project.

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