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Private Money Loans
Asset-based financing from private lenders for time-sensitive deals, fix-and-flip projects, or situations conventional lenders won't touch.
Fast Closings
Private lenders can move in days, not weeks, since decisions are based on the property's value rather than lengthy income documentation.
Flexible Underwriting
Terms and pricing are negotiated deal-by-deal, which typically means higher rates and fees than conventional financing.
Streamlined Process
Access to multiple lenders means we can find the best loan program for your specific situation, ensuring a faster and more efficient approval.
Expert Guidance
As a licensed mortgage broker, we provide the expert guidance needed to structure private financing around your deal's timeline and exit strategy.
Who Private Money Loans Are For
These loans are built for investors and buyers who need speed, flexibility, or asset-based approval that conventional lenders can't offer.
Fix-and-Flip Investors
Buyers purchasing distressed properties who need fast closings and funding for both the purchase and renovation costs.
Non-Owner Occupied Deals
Investors buying rental or investment property who don't qualify under owner-occupied conventional guidelines.
Equity-Rich Borrowers
Homeowners with significant equity who need to tap it quickly without the paperwork and timelines of a bank loan.
How to Qualify
Meeting these standard criteria helps ensure a smooth approval process for your private money loan.
Loan-to-value typically capped at 65-75% of property value
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Clear exit strategy required, such as sale or refinance
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Property serves as the primary collateral for the loan
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Funding can often close in days rather than weeks
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Minimal income or credit documentation required
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Myth
Private money loans are only for borrowers who can't get approved anywhere else.
Reality
They are a legitimate, asset-based financing option where approval is based primarily on the property's value rather than the borrower's income or credit.
Private Money Loan FAQs
Do I need to provide tax returns?
No, private money loans are approved based on the property's value and equity position, not tax returns or income documentation.
How is the loan amount determined?
Loan sizing is based on the appraised or as-is value of the property, the requested LTV, and your exit strategy, not a personal income calculation.
Guidelines and eligibility vary by lender, and private money loans are considered short-term, asset-based non-QM financing. This information is for educational purposes only and is not a guarantee of approval or loan terms.