How it works
Hard money loans are built around equity, speed, and a clear exit.
Hard money is different from bank financing. The property, loan-to-value, timeline, and repayment plan usually matter more than traditional income and credit underwriting.
Typical deal flow
From first call to payoff.
- Call Ron with the dealShare the address, numbers, loan need, timeline, and exit strategy.
- Property reviewRon looks at the property, value, condition, and available equity.
- Loan termsDiscuss LTV, loan amount, rate, points, term, and deal-specific conditions.
- Docs and titleClear insurance, bank statements when needed, taxes filed annually, and title details.
- Closing and payoffClose through title or escrow, then repay by sale, refinance, or another planned exit.
Equity-based lending
The property is the center of the decision.
A typical hard money loan is around 65% LTV, with higher LTVs considered case by case. Income and credit are not usually the main deciding factors.
Hard money is often used for short-term investor needs: buying, renovating, bridging, refinancing, or solving a timing problem until the property can be sold or refinanced.