How Hard Money Loans Bad Credit Help

Bad Credit Hard Money Loans Real Estate Investors

Don't let fear of a credit check stop your investment

House Flipping IS Possible For You!

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Think Bad Credit Hard Money Loans Don’t Exist?

Think Again.

Your troubles are over! We understand that having a bad credit rating shouldn’t exclude you from opportunities to better your situation. This is why Do Hard Money offers hard money loans to all, not just those with good or excellent credit. At Do Hard Money, we’re proud to have helped hundreds of real estate investors reach their goals and achieve their dreams, regardless of their credit rating.

These Bad Credit Investment Property Loans Utilize Our Find-Fund-Flip System
  • The loan term is 5 months, with no monthly payments

  • You’ll get to work with an experienced construction project manager to help keep your fix and flip on schedule

  • Our great support team of fix and flip specialists will help you analyze prospective deals and determine which to pursue

  • You’ll have access to our game changing real estate software for finding properties and marketing to sellers

Listen to Hunter’s Story

hard money loans bad credit

We extend loans based on the property, not the individual. This has helped make us one of the nation’s leading lenders for bad credit hard money loans. We are here to help you open the door to financial freedom and improve your current credit situation through real estate investment opportunities. We are proud to extend these opportunities to all.  We even have a testimonial from one of our clients who was in a bad credit situation prior to doing a deal with Do Hard Money.

Bad Credit Prequalification

Bad Credit Rehab Loan Borrower Letter

I have been working the past 20 years in industrial construction building high rise condos, computer chip manufacturing plants and offices. Since I am over 60 years of age, I was wondering what I was going to do when I retire. I considered real estate since my parents own a few small apartments that they had remodeled. I enjoy working on those kinds of projects but they take time, money and ability. After seeing an infomercial about a guy who flipped homes and made tons of profit, I decided to get involved.

I put a lot of money into learning about fixing and flipping and was ready to get started. However, I had no money left, terrible credit and no clue how I would fund my projects.

I learned about bad credit hard money loans and stumbled upon while searching an REI club website. I contacted them and told them I had a property in mind and they immediately helped me set up an evaluation of the property and determine the ARV (after-repair value).

Do Hard Money was very helpful… everything went well and I closed before my 5 month due date. I made just under $12,000 with this deal. Working with them was a great experience – they are the cream of the crop when it comes to hard money lenders for those with bad credit.

Throughout the whole process, I was never treated 2nd rate because of my bad credit. In fact, they treated me as a valued partner. I highly recommend anyone looking for bad credit hard money loans look no further than!

Thanks Do Hard Money!


Bad Credit House Flipping Loans Available In These States

Check below to see if we offer real estate funding in your state. We can work with both experienced and beginning real estate investors. We have loan options to help you move your real estate investing forward, whether you want to fix and flip, buy and hold or just refinance a current property.

*Enrollment in any educational system or purchase of any products does not guarantee funding for any specific project or that 100% financing will be an available option for any specific property.  Do Hard Money does not guarantee that each or any particular deal funded will result in profit.

Can I Get 100% Financing on My Bad Credit Hard Money Loan?

Investor Testimonials

Because we can offer this type of financing to investors willing to use our systems and tools it is now possible to buy investment property with bad credit. Buying real estate with bad credit can be your door to financial freedom and running a business that fulfills your dreams. Our processes will teach you how to recognize the types of investment properties that allow a lender to take on the amount of risk needed to make these transactions possible, because collateral based lending is extremely dependant on the property. If fear or embarrassment about your bad credit is what  is holding you back we invite you to give us a call today and find our how our systems can make the difference for you!

Enrollment in our Find-Fund-Flip is required in order for us to lend to house flippers with bad credit. This is actually a great thing for those investors. FFF is built upon the property finding and valuing strategies the our founder, Ryan G Wright, used to not only weather the financial downtown in 2007/08, but actually make money in real estate at that time. Learning this specific way of determining whether or not to pursue an investment will serve members well throughout their real estate investing career. Regardless of the funding source used, this knowledge will help you structure more profitable deals.

Bad Credit Hard Money Loan Terms

100% Financing


If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest. No matter what your credit is like.

LTV Basis


Our maximum loan amount is based on the After Repair Value of your property, not on other arbitrary factors.

Maximum LTV


We lend up to 70% of the ARV. Meaning property purchase, rehab and loan costs,  as long as it fits within 70% of the ARV. You’ll be responsible for earnest money.

Max Loan Amount


Our max loan amount is $250,000. For the markets we currently lend in, we’ve found this to be the sweet spot for real estate investing.

Minimum ARV


Our minimum ARV to lend on a property is $75,000. If it’s less than that there is just not enough profit to make it worth the effort for either party.

Multiple Deals


Yes. We allow you to do 3 deals at a time, enabling you to stay busy and rake in even more profit at a faster pace.

Interest Rate


Our interest rates of 1.25 – 1.50% per month fall pretty middle of the road. We are not the cheapest, nor the most expensive, but our 100% financing options allow you to leverage our money.

Origination Points


We take on significant risk in offering 100% financing and our points of 5.5% – 6.5% is what keeps us in business.

Max Loan Term


The default loan term is set at 5 months, but we do allow up to three 1-month forbearance payments equal to 1.0% of the loan if you need more time.

Monthly Payments


With no monthly payments during the initial loan term you can focus 100% of your time on rehabbing and selling the property.

Minimum Credit


None. A bad credit score will affect your points and interest, but because we lend on the property’s after repair value it won’t keep you from getting a loan

Min Cash-to-Close


We do not require a down payment on the property. If everything fits in 70% of the ARV you can come to the closing table with $0.00.

Pre-Pay Penalty


Why would we penalize you for completing your fix and flip quickly and selling it right way? Not is there no penalty, but you end up paying less in interest.

Required Experience


Many other lenders either won’t lend to you or will jack up their prices unless you have prior experience, but we’re all making profitable real estate investing accessible to anyone.

Gap Financing


We allow gap financing in the form of business lines of credit to help with cash-to-close when everything doesn’t fit in 70% of the ARV and we can help you get up to $100,000 in as little as 30 days. However, those with bad credit may have a difficult time obtaining gap financing.

Foreclosure Protection


Nobody else looks out for you like we do. We offer proprietary protection that nearly precludes the possibility of a foreclosure on your records even in the worst-case scenario.

Refinancing Available


Yes. With traditional lenders limited to strict loan parameters, we focus on equity over borrower financials. This gives you the liquidity needed for your individual situation.

Full Disclosure


Unlike a lot of other lenders who hide the full cost of the loan until it’s too late… we want you to know what you’re getting into and disclose ALL costs upfront.

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Don’t Let Bad Credit Hold You Back From Fulfilling Your Dreams.

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Is It Really Possible To Buy An Investment Property With No Credit Check?

While a bad credit score won’t keep you from obtaining a rehab loan from us, we will pull your credit to verify what you’ve told us during the application process. We usually do not run a credit check until we are ready to extend a loan offer on a specific property.

Why Is A Private Lender A Good Choice For Buying A Property With Poor Credit?

Private lenders have more flexibility than banks or credit unions. They are able to work with you to get the terms you need to get your investment property business going.

Can I Buy All Types Of Investment Properties With Bad Credit?

At this time we primarily lend to those with bad credit only for fix and flip investments. However, once we’ve done some a successful deals with you we are more receptive to working with you on other projects.