Frequently Asked Questions

A 30-year hard money loan is a long-term, fixed-rate real estate loan that uses asset-based underwriting. Unlike traditional hard money (which is typically 6-24 months), our loans are fully amortizing over 30 years with no balloon payment. We underwrite the property, not your personal income or tax returns.

Correct. We do not require tax returns, personal financial statements, or income verification. Our underwriting is based on the property itself — its value, condition, and location. This is true for both our Gold and Silver tier programs.

We fund loans from $100,000 to $5,000,000. Properties must be in major metro areas.

Our Gold Tier program offers up to 75% LTV for borrowers with 650+ FICO. Our Silver Tier program offers up to 50% LTV with no credit score requirement — purely asset-based.

We finance: multifamily (5+ units), mixed-use, retail, office, warehouse, industrial, self-storage, 1-4 unit investment properties, and auto-related properties (gas stations, car washes, repair shops, dealerships, parking). We do not finance rural properties, raw land, construction, renovation projects, or special-use properties.

Gold Tier: 650+ FICO, up to 75% LTV, no tax returns, no personal financial statements, 6-month title seasoning. Best rates and terms.
Silver Tier: Any credit score, up to 50% LTV, purely asset-based underwriting, 1-day title seasoning. Designed for borrowers who don't qualify for traditional programs.

We issue term sheets within 48 hours. Typical closing is 30 days from signed term sheet, depending on third-party reports (appraisal, title, environmental).

Prepayment terms vary by program. Your term sheet will clearly disclose any prepayment provisions. There are no hidden fees.

Yes. All loans must be in the name of a legal entity (LLC, corporation, trust, etc.). This is standard for commercial real estate lending and provides asset protection for the borrower.

Owner-tenant is allowed (where the entity that owns the building also occupies part of it). However, these are investment property loans — not primary residence loans.

No. We do not use DSCR (Debt Service Coverage Ratio) as an underwriting criterion. This is a key differentiator — many investors are denied by DSCR lenders because the numbers don't fit their box. We underwrite the property's value, not its cash flow ratio.

We lend in all major metro areas across the United States. Properties must be in metropolitan areas — we do not finance rural properties.

We are a direct lender. We originate and fund loans using institutional capital on the secondary market. We are not a broker, marketplace, or aggregator.

Once your loan closes, you never have to requalify. There's no annual review, no income re-verification, no new appraisals. The loan is a 30-year fixed commitment. You qualify once and you're done.

Yes. There are no restrictions on cash-out use. You can use proceeds for another acquisition, renovations, business operations, debt payoff, or anything else. Cash to close can come from any source with no seasoning requirement.