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.

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
Variable Bank Intrust Funding
Basis for Loan Approval Income Proof, Credit Score, Tax Returns, Appraisals, etc. Real Estate Assets, LTARV
Minimum FICO Credit Score 700+ None
Required Documentation
Upfront Fees Appraisals, Application Fees, etc. None
Property Type Owner Occupied Nonowner Occupied


  • 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