First Flip for Less than $5K

  • Off-Market Property Finding System
  • 100% Financing Available
  • No Credit or Experience Required
  • No Minimum Down Payment

Hard Money Lenders for All Your Real Estate Investing Needs

Recent Success Story

Just Getting Started?

Then you’ve come to the right place… We’ve helped thousands of beginners learn the ropes and avoid the most common pitfalls. As an actual hard money lender, we are better positioned to help you learn than other real estate investing programs. Our Find-Fund-Flip System includes everything you need to become a pro-investor… including access to our capital to cover up to 100% of off-market deals.

Need Help Finding Properties?

Haven’t had much luck digging through the MLS? Don’t worry… you’re not alone. This is the first big hurdle to most investors, but we have expert solutions to help you rise above the competition and find properties the way the pros do… with high margins and low competition. which are exactly the types of properties that qualify for our hard money loans. DoHardMoney is the hard money lender you’ve been looking for to help you complete your deals.

What is a “hard money” loan? A hard money loan is a short-term loan primarily used for real estate transactions and contrary to a popular myth it’s not because it’s “hard” to get. Traditional real estate loans like a personal mortgage are based on the borrower’s personal ability to repay the loan. This is measured by things like personal earnings, debt to income ratio, and credit score. These are all intangible or “soft” assets. Hard money loans, on the other hand, are based on a “hard” asset or the value of the property, so hard money lenders don’t usually ask for documentation of income or any of that messy stuff when we are funding a fix and flip investment. We will do a soft pull on your credit and it may have an impact on rates, we want to verify what you’ve told us about your background and credit, but a low credit score will never prevent you from getting a loan. We have a variety of loan options – loans with no down payment, refinance loans, traditional investment property acquisition loans- we can fund your next investment. We want to be your hard money lender!

Need A Hard Money Lender For A Property Under Contract?

You’ve got a property and we’ve got the money… that’s what you’re looking for right? Well you’re in luck… you can apply for free in just minutes and get all the preliminary details like loan amount, cash-to-close, loan costs, and more. Then you can decide to move forward. We are are hard money lender that wants your business, wants to be your long term hard money loan resource. You can fill out a loan application for any property you have under contract and then speak with our team.

We did not have to bring ANY money in the closing process… we had no savings… so that was really, really encouraging.

Emmanuelle, F.


The most important thing I’ve learned is don’t give up. Follow through to the end, and this is what you’ll get. A final completed project, and of course your profit.

Charlotte T.


I liked the good reviews that DoHardMoney has, and they seem like a reputable company. They are very responsive whenever we need to reach out.

Jeff & Chernee M.


A lot of people would like to get into this game, but sometimes they don’t have the means, and Do Hard really provided the means to be able to do that.

Latrelle H.


While new real estate investors may think that the smart thing to do is shop around asking about interest rates, experienced investors know there are more factors to consider than that in finding the right lender to work with for the real estate investment being considered. The loans we extend are short term loans, and when we directly fund a deal we don’t charge interest for the whole term if you pay off the loan early. Many traditional lenders will not do this if they include any of the interest in the amount financed, they won’t return it to you when you repay the loan before maturity.

You need to determine how much the whole deal will cost. A higher interest rate over a shorter term might be less expensive than a loan that allows your deal to stretch out. And if you cannot even get funded by a lender with lower rates then you are paying the highest price of all, that of not even doing the deal at all!

Because real estate investing has long been recognized as one of the most reliable roads to financial freedom prospective investors need to choose help and resources that will not waste time or money. You want to find the programs and partnerships that utilize an approach that aligns with your goals. All of Do Hard Money’s real estate training and investment funding programs are based on the experience of our founder, Ryan G. Wright. Ryan began as a real estate agent and then moved into investing. During the financial downturn of 2007-2008, he continued to make money with his real estate when others lost money. The principles and methods he used are the foundation of everything that we offer to help your business grow.

Remember when assessing a loan of this type that criteria for determining whether or not the loan is right for you that these loans are different from traditional loans or bridge loans. Moneylenders extending those types of loans are subject to a variety of regulations that we are not. These real estate investing loans need to be evaluated in terms of your particular investment opportunity. You will want to make sure that you look at the costs for the period of time that the investment exists.

Working With Do Hard Money Is Beneficial

The average profit realized by Do Hard Money borrowers for house flipping loans is $39,714*. That profit is calculated after all of the costs of flipping a house have been paid. Earnest money paid back, interest and loan costs, all of the holding costs and selling costs that house flippers incur. you can read more here.

Here at DHM we find that lending to new investors is rewarding, not just financially but also inspiring. Watching our members grow and find their footing on the path to financial freedom.

Many hard money lenders fund real estate flips without taking the time and effort to determine whether or not the deals they are financing will end in a profit for the borrower. That is not how we operate here at DHM. We care about our borrowers, and we will turn down deals where we can see that the borrower will be taking on too much risk. We turn down deals that those other hard money lenders fund, and we consider that to be a good thing. Our systems and programs are designed to help new investors learn to recognize not only potential profits, but also risks. We want to help you flip profitably.

Average Profit per Flip

Median Cash-to-Close


Zero-Down Loans

Looking for a hard money lender that has experience nationwide? Here are just a few of our recently funded deals so you can get a taste of what we’ve done. Unlike many hard money lenders, DoHardMoney provides options for borrowers of all experience levels and credit ratings. Our no money down option is very appealing, and when you can find a deal that qualifies it is exciting for all involved.

Hard money lenders can have varying criteria, depending on the risks for a deal. Here at DoHardMoney we not only want to extend the hard money loan you need to help you flip your investment, but also teach you how to value your deals like a pro, so that your risks are lessened.

Real estate investors looking for short term loans have come to the right place. Because we work differently than traditional lenders, utilizing private investors and working with arv rather than an ltv ratio, we can provide better terms than with conventional loans. We don’t pull credit reports to determine whether or not we will lend to you, we do pull a report to make sure that the information provided is accurate. Because the loans cannot be on owner occupied properties, or with any occupancy at all the loans work well for short term plans like fix and flip investing.

Do Hard Money Lenders Recently Funded Deals

Carolyn’s Indiana Deal

Angela’s Chicago Deal

Daphne’s Virginia Deal

Steve’s Alabama Deal

Theodore’s New Orleans Deal

Israel’s New Jersey Deal

Larry’s North Carolina Deal

Kylar’s Ohio Deal

What Are You Looking For in a Hard Money Lender?


I Want a Hard Money Lender That Discloses All Costs Upfront

Not only do we disclose all of our fees at the time of the loan offer, but we also help you look at all the aspects of doing your deal, like holding costs, selling commissions and fees over which we as the lender have no control. We want you to be able to understand all costs before you proceed, so that there are no surprises and you will come back again and again.


I Want a Hard Money Lender I Can Trust

We have many funded deals throughout our site and our social media. We have 4.9 stars on Google, with over 630 reviews (and getting more each day!) We’ve been in business for over 13 years in the same city. We’ve won awards for best places to work in Utah and are one of Inc. 5000 fastest growing companies. We’re a hard money lender that strives to provide the best value and service in a tough industry.


I Want a Hard Money Lender With Great Terms

Because Do Hard Money has a variety of loan options available we are sure to have something that will meet your priority needs, whether that be 100% financing, no monthly payments or low points and interest rates for your real estate investment. We can fund more than fix and flips, we can help you with your investment property refinance or buying your next rental property.

Hard Money Lender Blog Recent Posts

Why Do I Need a Hard Money Lender?

Let’s examine that question a bit, because you may not need one to accomplish your goal. Every real estate transaction is different, and one size loan or funding does not fit all. What kind of transaction are you trying to complete? Short term or something that will take several years? The big advantage offered by hard money lenders is that the loans are most often asset based. Hard money lending is also not subject to the same regulations as bank loans, so you may be able to find better options. Give us a call to see if we can help you find the funding you need.