Hard Money Loan Programs

For Real Estate Investors

In the real estate market, investors have needs which are different from the needs of borrowers. Before our founder and CEO Ryan Wright became a lender, he got his start in fix-and-flip investing. As a result, he was able to gain knowledge and experience in the investment side of real estate. His insight into the world of REI allows us to offer unique loan programs with you in mind.

Our loan programs are designed to make investing faster, easier and more profitable. Do Hard Money loans are packed with features which set us apart from any other hard money lender:

  • Loan amounts up to 70% of the property’s after repair value (ARV)

  • No loan payments during the initial term

  • Funding in as little as 5 – 14 days

  • 100% financing available to those who qualify

We offer hard money and private money loans for residential rehabs and property refinancing:

Residential Rehab Loans

Single-family residences

Condos

Townhomes

Refinancing Loans

Looking for a refinancing option? Do Hard

Money’s funding can help! Like rehab loans

Refinancing loans are based on the value of the property

If you would like to discuss your lending needs with us, you can give us a call at 801-948-9774 or click on this link to schedule an appointment to chat with us at your convenience.

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Loan Terms

100% Financing
YES

If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest.

LTV Basis
ARV

Our max loan amount is based on the after repair value, not the current value or purchase price. If the numbers line up, we will fund it.

Maximum LTV
70%

We lend up to 70% of the ARV. We will fund everything but earnest money as long as it fits within 70% of the ARV.

Max Loan Amount
$250K

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
$70K

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

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
1.25%/MO

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
5.5%

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
5-MONTHS

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
NONE

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

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
$0.00

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
NONE

With no pre-payment penalty, fixing and flipping the property in a shorter amount of time can only deepen your pockets.

Required Experience
NONE

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
ALLOWED

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.

Foreclosure Protection
PROPRIETARY

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
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
YES

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.

Investor Testimonials:

Casey Carrol – Net Profit $71,000

Laura Rider – Net Profit $56,000

Nathaniel Gibbs – Net Profit $20,000