Hard Money Loans for Real Estate Investors | Fast, Flexible Funding

Meta description: Close fast on flips, rehabs, and bridge deals. Transparent rates, funded draws, and AI-backed ARV and DSCR to reduce re-trades. Get your term sheet in 24–48 hours.On-page copy (paste into your editor) H1 Hard Money Loans for Real Estate InvestorsHero subheadClose fast on flips, rehabs, and bridges. Transparent terms, funded draws, and lender-ready ARV and DSCR from our AI analyzer.Primary CTA: Get a Hard Money Quote Secondary CTA: Run AI Deal Analysis FreeWhy investors choose our hard money optionsClose in days, not weeksUp to 70–75% of ARV or 75–80% as-is LTVInterest-only payments, 6–18 month termsRehab draws funded on milestonesFirst-time and experienced operators welcomeAI-backed ARV, rent and DSCR to strengthen approvalsWhat is a hard money loanA short-term, asset-based loan underwritten on the property, scope and exit plan rather than your tax returns. Ideal for fix-and-flip, BRRRR and bridge scenarios when speed and property condition matter.Rates, points and leverage explainedInterest rate: typically 9–15% interest-onlyPoints: 1–4+ at closingTerm: 6–18 months (case-by-case to 24)Leverage: up to 70–75% of ARV or 75–80% as-is LTVLTC: often 85–90% of purchase plus up to 100% of rehab, capped by ARVReality check: speed and certainty beat the lowest rate in this lane. We structure deals to survive timelines, change orders and rate noise.Use cases and best exits Use case Typical term Leverage guide Best exit Fix-and-Flip 6–12 months Up to 70–75% of ARV Resale after rehab Bridge to Refi 6–18 months Up to 75–80% as-is LTV DSCR or conventional refi BRRRR 9–18 months Purchase + rehab capped by ARV Refi to DSCR, hold Light Value-Add SFR 9–12 months 75% as-is LTV, rehab draws Rent-stabilize then refi Small Multifamily (2–8) 9–18 months Project-based leverage Stabilize then DSCR refi What you need to get approved in 48 hoursProperty address and photos (front, rear, street, issues)Purchase contract or payoff (if refinance/bridge)Scope of work with line-item budget and timelineExpected ARV with 3–5 supporting compsExit plan (sale comps or DSCR-viable refi)Entity docs, ID, insurance binder, proof of fundsUpload pack checklist: contract, scope & budget, comp set, contractor info, bank statements (last 2), any permits/quotes.How ToInvested’s AI Analyzer strengthens your approvalARV you can defend: AI-filtered comps weighted by distance, age, bed/bath match and condition notesRent and DSCR sanity checks: vacancy, taxes, insurance and capex modeled realisticallyRisk flags: rehab scope gaps, timeline pressure, permit triggers and insurance shocksExportable reports: lender-friendly PDF with inputs, assumptions and sensitivity bandsCTA: Run your AI ARV and DSCR nowQuick math you can trust on the spotMax Purchase Offer (flip): Max Offer ≈ 70% × ARV − Rehab − Closing − Lender Fees − Desired ProfitDSCR (rental exit): DSCR = Net Operating Income ÷ Annual Debt Service → Target ≥ 1.20–1.25Contingency: Add 10–15% to rehab to survive surprisesDraw management that keeps projects movingClear milestones tied to photos and receipts1–3 business day draw reviewsOptional inspector verification for larger budgetsChange-order process baked into scope trackingCommon pitfalls we help you avoidOutlier comps inflating ARVUnderfunded rehab and no contingencyExit plans relying on best-case rates or timelinesGC without permits, insurance or draw experienceFAQsHow fast can I close As fast as title is clear. Expect term sheet in 24–48 hours with a complete upload pack.What credit score do I need Credit matters less than equity, scope and exit. Lower scores may see tighter leverage or pricing.Are first-time flippers eligible Yes. We’ll structure conservatively and may require stronger reserves and oversight.How are rehab draws funded Milestone-based with photo evidence and receipts; larger budgets may require inspector sign-off.What happens if my budget changes Submit a documented change order. We help re-sequence milestones and adjust reserves if viable.Can I use a DSCR refi as my exit Yes. We model DSCR upfront to confirm take-out feasibility before you start.Lead form fields to capture (keep it short)Full name, email, phoneProperty addressPurchase price or payoffRehab budget and timelineExpected ARV or monthly rent (if rental)Exit plan: sell or refiExperience level: first deal, 1–3, 4+File uploads: scope, photos, compsCTA button: Get My Hard Money QuotePost-submit workflow (Mailerlite/CRM)Auto-reply: Thanks + checklist + link to upload docsDay 0: AI Analyzer link to generate ARV/DSCR PDFDay 1: Guide to funding draws and avoiding re-tradesDay 3: Case study: flip timeline and budget controlDay 5: Book a call link + pre-approval doc requestInternal links to addAI Property Analyzer → /ai-property-analyzer/DSCR Calculator → /dscr-calculator/ARV Calculator → /arv-calculator/Rental Cash Flow → /rental-cash-flow-calculator/