Resources, FAQ & Blog

Frequently asked questions

The questions we hear most.

What type of loans do you provide?

Hard money loans for the purchase and rehab of single family, 1-4 unit, non-owner occupied properties, plus 30-year loans for tenant occupied 1-4 unit properties.

What is a hard money loan?

A real estate loan secured by the property itself. Rates and fees are higher than a bank because the loan carries more risk, but funding is fast (often 1 to 2 weeks) with minimal paperwork.

I buy rental properties. Where can I get the best terms?

Banks and credit unions offer the best rates for borrowers who qualify. We also offer commercial and DSCR loans based on the property's income rather than your personal finances.

Do I need experience?

No. Prior investment experience helps you secure more favorable rates, but it is not required. We work with investors of all experience levels, from first deal to hundreds of properties.

How do I determine the ARV (After Repair Value)?

Use a real estate data subscription, ask a realtor for a comparable market analysis, or contact us directly and we will help you estimate it.

How are interest payments calculated?

Interest-only payments, calculated as loan amount multiplied by the interest rate, divided by 12.

What is the term of the loan?

Loan terms typically run 6 to 12 months, with early payoff allowed and no prepayment penalty.

What paperwork do I need to provide?

The purchase contract, LLC documents, bank statements, driver's license, your title company contact, your insurance agent contact, and a completed application.

What types of properties do you lend on?

Single family residential properties, 1 to 4 units, non-owner occupied.

Do you provide rehab funds?

Yes. Typically 80% to 100% of the construction budget, capped at 70% of the after-repair value.

How much money will I need?

Plan for roughly 20% to 25% of the total project cost in available cash for down payment, closing costs, interest, and incidentals.

How fast can you close?

In Texas, as fast as 3 days. Other states typically take 10 to 14 business days, and we can accelerate when needed.

What are your interest rates?

Rates generally range from 8.5% to 12% depending on experience and location, and most loans include a 2% origination fee.

Is there a minimum credit score or loan amount?

Yes. A minimum 640 credit score and a $75,000 minimum loan amount. Recent credit events are weighed heavily.