Bridge, Hard Money and Private Loans
Short-term financing designed to bridge the gap between an immediate property need and a longer-term solution.
Ideal for acquisitions, renovations, lease-up, or temporary financing before a sale or long-term refinance.
Hard Money Private Loans
Hard Money vs. Bridge Loans
“Hard money” is often used interchangeably with “bridge loan.” Hard money loans, however, tend to place greater emphasis on the property’s value and collateral than on the borrower’s creditworthiness.
Unlike rehab loans, bridge and hard money loans generally focus on the property’s current value, rather than relying heavily on the projected increase in value after improvements.
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Long Term Rentals
DSCR loans are designed for income-producing rental properties.Qualification is based primarily on the property’s rental income and its ability to cover the mortgage payment, with less emphasis on the borrower’s personal income.
These loans typically offer long-term financing, often up to 30 years, and are commonly used by real estate investors to purchase or refinance rental properties.
Long Term Rentals
DSCR loans can be used for a wide range of income-producing investment properties. Rather than relying primarily on the borrower’s personal income, lenders focus on whether the property generates enough rental income to cover its debt payments.
This makes DSCR financing especially useful for real estate investors seeking to purchase or refinance rental properties outside traditional income-based lending guidelines.
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Rehab or Fix and Flip
Rehab or Fix-and-Flip loans are short-term financing designed for real estate investors who plan to renovate a property and then sell it or refinance it into long-term rental financing.
Unlike a typical bridge loan, rehab financing generally considers the property's projected After-Repair Value (ARV), as well as the purchase price and renovation budget. More complex projects may qualify for longer loan terms.
Fix and Flip
Renovation funds are typically released in draws as work is completed and approved by the lender. Interest is generally charged only on the funds that have actually been disbursed.
Loan terms and leverage are based on factors such as the property, renovation scope, projected ARV, borrower credit, project experience, and the borrower's cash or equity contribution.
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Construction Ground Up
Construction loans are short-term financing for investors building or substantially renovating residential or commercial properties for sale or long-term investment.
Terms commonly range from several months to a few years, depending on the scope and complexity of the project.
Construction Ground Up
Loan proceeds are typically released in stages, or “draws,” as construction milestones are completed and approved by the lender.
Required equity can vary based on the project and borrower. Lenders also consider factors such as construction experience, creditworthiness, financial strength, project budget, and the completed property value.
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Long-Term Commercial Loans
Long-Term Commercial Loans provide permanent financing for stabilized, income-producing commercial properties such as apartment buildings, office properties, retail centers, industrial properties, and other commercial real estate.
Loan terms and amortization periods vary by lender and property type, with underwriting focused primarily on the property’s income, value, occupancy, and ability to support the proposed debt.
Hard Money Private Loans
Lenders typically evaluate the property’s Net Operating Income (NOI), Debt Service Coverage Ratio (DSCR), loan-to-value, occupancy, lease terms, property condition, and market location.
Borrower experience, creditworthiness, liquidity, and financial strength are also considered. Financing may include fixed or variable rates, and terms can vary significantly depending on the property type, loan size, and overall strength of the transaction.
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