Residential Hard Money Lenders

Residential Hard Money Loan

No Prepayment Penalty

No Minimum Credit Score

Up to 90% LTV

5-12 Month Terms

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Residential Bridge Loan

Residential hard money loans, also known as bridge loans, rehab loans, and fix and flip loans, are short term financing tools for real estate investments.

Lending Amount

Intrust Funding can lend on up to 90% of the investment’s after repair value (ARV), and offers loans for property acquisitions, rehab costs, or both.

Term Length

Although all situations have unique requirements and we are able to adjust our metrics based on your goals, typical loan term lengths range from 5 months to 12 months.

Loan Security

With an in-house MBA in Real Estate who maintains a greater than 98% accuracy on ARVs, we underwrite all our own loans.

Hard Money Loans for Residential Property: When They’re the Best Option

Borrower Situations

  • Need Financing Quickly
  • Mortgages on Other Properties
  • Property Doesn’t Meet FHA Requirements
  • Low Current Value, High After Repair Value Investment
  • Fix and Flip
  • Buy and Hold
  • Low Credit Score
  • Leveraging Assets to Invest
VariableBankIntrust Funding
Basis for Loan ApprovalIncome Proof, Credit Score, Tax Returns, Appraisals, etc.Real Estate Assets, LTARV
Minimum FICO Credit Score700+None
Property TypeOwner OccupiedNonowner Occupied
Upfront FeesAppraisals, Application Fees, etc.None


  • Non-owner Occupied
  • Builders, Developers
  • Legal Entities
  • Foreign Nationals
  • Property in Probate, Heirs

Property Types:

  • Single-Family Residence
  • 2-4 Unit Residential
  • Condominiums and Townhomes
  • Condo Unacceptable to Fannie Mae/Freddie Mac
  • Mobile/Manufactured Homes
  • Few Comps: Dome, Berm, Log, Historical, Ultra-Modern, etc.
  • Non-Owner, 1-4 Units, Zoned Other than Residential

Acceptable Loan Scenarios

  • Purchase
  • Rate & Term Finance
  • Cash-out Refinance
  • Blanket Loans
  • Bridge Loans
  • Business-purpose Financing
  • Fix-and-Flip
  • Construction/Renovation Completion
  • OK: Foreclosure, Bankruptcy, Short Sale, NOD, NOS
  • Notes Purchased
  • Equity Only (No Credit Nor Asset Checks)
  • Seasoning: Non Required, Non-Owner Occupied
  • Second Mortgages/Trust Deeds
  • Third/Fourth Mortgages/Trust Deeds