Key Highlights for this loan

• Best For:

  • Borrowers needing rapid closings on time sensitive deals

  • Investors with strong liquid asset positions

  • Clients unable to meet conventional underwriting timelines

  • Bridge scenarios prior to long term financing
     

• Property Types and Availability:

  • Commercial hard money available in Georgia only

  • Residential hard money available nationwide with state restrictions

  • Residential financing includes: owner occupied, second homes,
    and investment properties

  • Not available for residential properties in Colorado, Illinois, Massachusetts, New York, or Texas
     

• Credit Score Requirements:

  • No minimum credit score required for commercial loans

  • 600+ guideline for residential financing

  • Asset strength and equity position heavily considered

  • Flexible underwriting for unique borrower profiles
     

• Loan Amounts:

  • $250,000 to $6,000,000 standard range

  • Larger loan sizes possible with strong collateral

  • Suitable for single assets or multiple property strategies

  • Scalable for repeat investors or developers
     

• Mortgage Position 

  • Residential loans can be structured as first or second liens

  • Flexible capital stack options for complex transactions

  • Supports bridge or gap financing needs

  • Can complement other financing sources
     

• Payment and Term Structure:

  • Interest only payment options available

  • Short term financing typically 12 to 24 months

  • Extension options may be available

  • Designed for clear exit strategy execution
     

Eligible Uses

• Fast acquisitions of commercial or residential properties

• Short term refinancing or payoff scenarios

• Bridge financing during repositioning or stabilization

• Cash out for liquidity or investment redeployment