Hard Money loans for investors.
Private-money, business-purpose financing. We desk the file and broker it to capital sources. We are not the lender. We do not fund the loan.
Leave your number. We will call you.
Business Purpose Loans only — No Owner Occupied. Not a commitment to lend.
Deal snapshot
LTC / LTARV
Live dual-cap math on /calculator. Cash to close, IO, points.
- Occupancy
- Investment
- Use
- Business purpose
- Desk
- Brokered file
Cash to close before you bid.
Ungated Hard Money Loan Cost Calculator. Dual-cap loan, IO carry, points, and cash to close. Caps and rates are your assumptions — not GI quotes. Then book the call.
Dual cap
Loan is the lesser of LTC and LTARV.
IO carry
Monthly interest-only on the estimated loan.
Cash to close
Equity gap plus points — before you bid.
Hard money, not a DSCR hold story.
Short-term, asset-based, business-purpose. Read the file the way a desk reads it — then run the numbers.
What is hard money?
Private, asset-based, business-purpose capital. Short term. Points and IO carry. Not a consumer mortgage.
LTC and LTARV basics
Loan-to-cost and loan-to-after-repair-value. Dual caps, cash to close, and why ARV belongs on the worksheet before you bid.
Typical uses
Fix-and-flip, bridge, and light refinance stories this desk will look at — and the occupancy rule that ends the conversation.
FAQ
Direct answers and common objections. Broker, not a lender. Business-purpose only. No owner-occupied.
Three steps. Then a call.
01
Send the deal
Address, purchase, rehab, ARV, entity, and the exit. Enough to desk — not a full credit package.
02
We desk the file
We map the asset against business-purpose hard-money programs we can broker. Gaps get named. No theater.
03
Book the call
Thirty minutes. Structure, capital-source fit, and the next document pull if the deal is worth running.
Same GI Realty desk. Other live sites.
Hard money lives here. Need a rent-coverage hold loan instead? That is the DSCR spoke. The hub is GI Realty.
Book a 30-minute strategy call
Bring the address, the rehab, the ARV, and the exit. We desk investor loans. We do not fund them.
Leave your number. We will call you.