Hard Money
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Asset‑based underwriting: property value and exit strategy are key.
- Down payment and experience can impact terms.
- Shorter terms; higher rates/fees vs. conventional.
Property types that may work
- Fix‑and‑flip investment properties
- Bridge financing scenarios
- Some unique properties not eligible for standard financing
Typical documentation checklist
- Photo ID
- Purchase contract and rehab budget (if applicable)
- Proof of funds for down payment/closing
- Exit strategy (refinance/sale plan)
- Property details and insurance
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- These loans are typically short term (6–24 months).
- Be ready for fast timelines and higher upfront costs.
- We can help structure a take‑out refi strategy when appropriate.
Questions? Call (530) 238-5739 or email [email protected].