Hard money loans are short-term, asset-based financing for deals a conventional lender will not touch: a fix-and-flip, a distressed property, or a purchase that needs to close faster than traditional underwriting allows. Pricing is based on the property's after-repair value and the deal's exit plan, not the borrower's income documentation. This category covers how hard money lenders actually evaluate a deal, what a realistic exit plan looks like, and how investors move out of hard money and into permanent financing once a project is stabilized or rented. It is written for active investors and rehabbers, not homeowners looking for a primary-residence loan. Read the fix-and-flip guide for how lenders scope a deal, or go straight to the exit-strategy guide on converting a hard money bridge into a long-term DSCR loan.
Hard Money Loans for Fix-and-Flip
How rental property owners use asset-based hard money for fix-and-flip — ARV underwriting, terms, deal math, and when a DSCR loan is the smarter exit.
Hard Money to DSCR Takeout Refinance: The Exit Playbook From Bridge Debt to Long-Term Financing
Hard money and bridge loans are built to end. See how a DSCR takeout refinance converts that short-term debt into long-term rental financing.