Absolutely. Some of our best long-term borrowers were first-timers on deal #1. We’ll walk you through the process start to finish. The numbers just need to make sense — a solid ARV, a reasonable rehab budget, and a clear exit strategy.

We fund both purchase and rehab in one loan. For the renovation budget, we can fund up to 100% of approved repair costs, disbursed in draws tied to inspection milestones. Draw funds are released within 48 hours of sign-off.

Rates vary by loan type, LTV, and deal specifics. Investor Gold (680+ FICO) runs 7–8%. Investor Silver (640–679) runs 10–12%. Investor Bronze (580+) runs 13–16%. Every deal is priced individually — submit your deal and we’ll give you an exact term sheet the same day, no obligation.

Yes — 7 days is our average close time, not a marketing promise. Our fastest close was 4 days for an experienced investor on a straightforward deal. The key: submit a complete deal package on day one and respond quickly to our questions

No. Hard money loans are asset-based lending. We don’t require W-2s, tax returns, or bank statements for fix & flip or bridge loans. For DSCR rental loans, qualification is based on the property’s rental income — still no personal income verification required.

We consider all credit scores. While 620+ is preferred, we’ve funded deals for investors with lower scores when the deal itself is strong. We underwrite the property and your exit strategy — not just your credit history. Bankruptcies, foreclosures, and short sales can all be worked around with the right deal numbers.