A private money loan loan is an asset‑backed loan secured by real estate—ideal for acquisitions, rehab projects, or bridge financing or taking money out as an equity loan.

We typically close in 7–14 days—much faster than traditional mortgage timelines.

We offer a range of asset‑based loans preferred by active real estate investors, including: Investment, long or short term loans, Fix‑&‑flip, Bridge loans, Construction financing, Rental property loans, Commercial property loans. Basically asset based loans.

We focus primarily on the property itself—its equity, value, and post-rehab potential. That means minimal documentation, and flexible approval terms.

We need as much information as you can provide on the property itself. At a minimum we need: Property address and photos, Purchase contract or refinance statement, Renovation or construction budget, HUD or closing statement from the original purchase if this is an Equity out loan.

Rates typically fall between 9.5-12.25%, with origination fees (points) around 3.5 points of the loan amount. We’ll provide a full breakdown in your term sheet, including any appraisal, BPO, or closing costs.

We perform light credit checks, low credit scores or credit history gaps do not disqualify you.

Most loans do require a Broker Price Opinion (BPO), and sometimes an appraisal, depends on each deal.

We underwrite conservatively. Typical limits:

LTV: 60–75% for Investment properties

LTV: 70–80% for Single Family Homes.

LTV: 50% on Land or Lots.

Yes, typically 2 years, but this is negotiable.