Hard Money Loans
Fast Financing for Real Estate Investors
Secure short-term capital based on the property — not your personal income or tax returns.
Hard money loans are built for speed, flexibility, and execution.
Get Pre-Qualified for a Hard Money Loan Today
If your deal needs speed, we can structure it.
What Is a Hard Money Loan?
A hard money loan is a short-term loan secured by real estate.
Instead of qualifying based on income, lenders focus on: Property value, Investment potential, Exit strategy.
These loans are commonly used by investors who need fast access to capital or cannot use traditional financing.
Hard Money Loan Features
- Loan Amount: Minimum $75,000
- Property Value: Minimum $100,000
- LTV: Up to 65–75%
- Loan Term: 6–18 months
- Fast Funding: Around 10 business days
Hard Money Loan Requirements
Hard money loans shift the focus from “Do you qualify?” to “Does the deal make sense?”
Down Payment
Typically 20%–30% depending on the deal and risk level.
Property Value
Minimum property value required and strong collateral.
Loan Structure
Loan Structure
Exit Strategy
Clear plan to sell or refinance the property.
Why Choose USA Loans for Hard Money Loans?
Our team understands the urgency behind investment deals.
- Fast deal evaluation
- Flexible loan structuring
- Investor-focused approach
- Support from approval to exit
- Experience with time-sensitive transactions
Hard Money Loan FAQs
Common questions about Hard Money Loans
How does a hard money loan work?
It is based on the property value rather than your personal income, allowing faster approvals.
What are the requirements for a hard money loan?
Down payment, property value, and a clear exit strategy are key factors.
What are typical loan terms?
Usually 6–18 months with higher interest rates than traditional loans.
What are the risks?
Higher costs and shorter timelines, requiring strong execution.
