Hard Money

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Hard money lenders are the go-to partners when traditional banks say no, and you still want in the game. They’re fast, flexible, and most importantly — they care more about the deal than your credit score

 

Now, how do you do zero money down with hard money? Simple you find a deal with enough built-in equity and present it to the lender. If the numbers make sense — meaning they’re protected with a good loan-to-value ratio — a hard money lender will often finance 100% of the purchase and 100% of the rehab

That’s not a typo. Yes, 100%. Especially if you’re picking up a distressed property for 60–70% of its after-repair value (ARV). They lend based on value, not the price

 

Of course, hard money comes with higher interest and shorter terms — but here’s the secret: you’re not supposed to hold the loan forever. These loans are bridges — from the closing table to the refinance or resale table. You get in, improve the property, increase its value, and either sell for profit or refinance at traditional rates.

 

Smart investors use hard money to control big deals with little or none of their own cash, all while creating massive value in the process.

65 Old Solomons Island Rd Annapolis, MD 21041

Questions? Call 443-603-1086

65 Old Solomons Island Rd Annapolis, MD 21041

Questions? Call 443-603-1086