Hard Money Loans
Hard Money
Get fast, flexible financing for your next fix-and-flip project. With competitive terms and quick approvals, we make it easier to capitalize on time-sensitive opportunities and maximize your profits. Complete the form below to get started.
Up to
9.99%
Rates from*
Up to
70%
LTV
As fast as
7-22
Day close
Flexible
12-24
I/O option
Qualify Easly!
Are We a Good Fit?
Our Hard Money loans are crafted to provide fast, flexible capital for experienced investors tackling short-term acquisitions, renovations, or bridge financing.
Experience
At least 1+ completed properties.
Credit Score
Minimum of 580
Liquidity/Reserves
30% down payment with 1–3 months of reserves.
Property Type
SFR, Condo, Townhome, 1–15 Units
Loan-to-Cost (LTC)
Financing available for up to 100% of rehab costs.
Apply Now!
Are you purchasing, refinancing, or cashing out?*
Tell us what type of financing strategy you are looking for
Investment property, or home you plan on living in?*
What is the property address?*
Depending on location we may have specific programs
Street Address
City
State
What's the purchase price or refinance amount?
Our minimum loan amount is $75,000 up to $20,000,000
How is your credit?*
We do not lend on credit scores below 660
Legal first and last name of the primary borrower?*
Your identity will be protected. No spam
First Name
Last Name
What is your email address?*
Your email address will be protected. No Spam
Mobile phone number?*
Your phone number will be protected. No Spam
Application Received
Thank you. One of our lending experts will reach out shortly to discuss your scenario and next steps.
949-738-9770Notice:By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@lowerrefinancerate.com to be placed on our do-not-call list.
By clicking Submit:I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding, Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.
Hard Money Loan Highlights
Transparent and Investor-Focused Loan Terms
Your Partner for Hard Money Success!
Get access to capital quickly with 7 to 22 day closings.
Up to 100% rehab financing available.
Just 1+ completed property and 580 credit score needed.
Pay off early without extra costs.
Where We Lend
States We Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Meet The Leader
Fast. Flexible. Funded.
With direct access to a network of over 100 lenders, I deliver fast, flexible, and creative financing solutions tailored to meet complex real estate needs. As a mortgage broker specializing in Bridge Loans, DSCR (Debt Service Coverage Ratio) loans, and Hard Money financing, I work with investors, developers, and business owners to secure funding when timing and structure are critical.
Whether you’re flipping a property, building a portfolio, or need short-term capital fast, I bring the market expertise, lender relationships, and deal-making agility to get it done — even when banks say no.
Fast closings. Minimal red tape. Maximum results.