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Types of Hard Money Loans
An acquisition loan is used to purchase property using loan proceeds.

Acquisition & Development
Loans to both purchase and develop real property to an enhanced state. Voucher control is normally set up to disperse loan proceeds with interest only paid on funds distributed. Loan-to-value is determined as to the enhanced value.

Asset Based
Loans for any purpose where collateral is placed as security.

Bankruptcy and Foreclosures
Financing on real property assets until institutional financing is available or sale of asset.

A Bridge loan is used for short durations, until a permanent method of financing is secured. Bridge loans are a good solution to a timely acquisition or business opportunity, because they allow a purchaser or investor to act quickly. These loans can be used for acquisition, cash out, buy-outs, foreclosures and construction purposes.
Property Types:
  • income producing property
  • commercial
  • apartments
  • hotel/motel
  • office buildings
  • office complexes
  • golf courses
  • and almost all commercial businesses
Construction loans are used to construct a building or for improvements of real property, and the land and improvements stand as collateral for the loan. Construction reserve accounts are used to maintain the money disbursements through the construction process. 100% construction cost available depending on the improvement value.

Raw Land
Unimproved real property. From lot(s) to acreage. Raw land is usually valued at a 90-120 day "quick sale" price to determine loan-to-value ratios.

Rehab Loan
Rehab loans are used to purchase an existing home or commercial property for the purpose of making repairs and/or remodeling.

Non-Conforming Loan
Loan which does not meet the standards of the lender.