Matrix: Hard Money Lenders
Post your loan: ScotsmanGuide.com/LoanPost Search matrix: ScotsmanGuide.com/reshardmoney
Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production cycle and dynamic nature of the industry, loan product
terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program details. If you believe data is inaccurate or misrepresented, please e-mail: email@example.com.
JB Private Investments
50K 5M 70 60 Y YY Y Y Y Y Y Y YY Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y
CA We provide alternative financing for real estate investors in and around the San Francisco Bay Area. $50K-$5M loan limits and rates from 7.99%-12%.
LendingHome Funding Corp.
75K 1M 9060 YYY YYYYY YYY YYYYY Y
AZ CA CO CT FL GA IL MD MI MO NC NJ NV NY OH OR PA SC TN TX VA WA WV Directonline lender. NOO. Flip, wholesale, rehab, rentaland more.
Reliable capital. Competitive terms. Transparent process. Best broker program! lendinghome.com/brokers
75K2M90360 Y YY YYY YYY YYYY
NATIONWIDE except: AK AZ ND NV OR SD U T V T Private lender for 1-4 family investment property. Fix-n-flip up to 90% LTC, close in 10 days.
30-year stated income FRM and ARM for landlords. Great terms, more commission.
25K3M6560YY YY YYYYY YYYYYYYYYYYY YYYY
NATIONWIDE We are the most aggressive lender in the country. We take into consideration equity only with loans starting as low as $25K-$3M.
All real estate types considered.
Lima One Capital
15K 5M 70 13 YY Y Y Y Y Y Y Y Y Y Y Y YY Y
NATIONWIDE except: HI ID ME M T ND SD V T Financing for fix-n-flip & construction. Quick closings. Brokers protected. As low as 7.99%. No junk fees.
Long-term financing available for rental properties/portfolios.
Lone Oak Fund LLC
1M 30M6024 YYYYYYYYYY YYYYYYYYYYYY YY
CA Lone Oak Fund LLC is a direct portfolio lender offering 1st TDs on com & res investment properties. Fast closings. $1M-$30M.
7. 9-8.9% I/O. Up to 60% LTV. Brokers protected.
Longhorn III Investments LLC
50K1M7512YYY YYY YYYYYYYYYYY Y
IN MO NC TX The Longhorn residential hard money program focuses on the refinance, purchase and/or rehab of 1-4 family investment properties.
ARV to 75%. Minimum credit score 650.
100K2M70 YYYY YYY YYY Y YYYYY Y
DC DE FL GA MD NC NJ PA SC VA We fund up to 90% of purchase price and 100% of construction!
OneSource by PCS
300K25M7524 YYYYYYYYYYY YYYYYYYYYYY YYY Y
CA Portfolio lender. Fix-n-flip with easy draw. 3 disbursements: 1st draw at closing - max 1/3 of holdback not to exceed 80% of acquisition.
Fast funding. Broker-friendly.
20K 5M 65 12 YY Y Y Y Y Y Y YY Y Y Y Y Y Y Y Y YY Y Y Y
GA Atlanta hard money lender offering loans to purchase and renovate non-owner-occupied residential and commercial properties in the Atlanta metropolitan
area. Up to 65% ARV.
Pacific Private Money Loans
100K20M7560YYYYYYYYYYY YYYYYYYYYY Y YYYYYY
CA Very broker-friendly. Ask about our owner-occupied bridge-loan program and OO business use of funds.
Large appetite for loans over $1M. 2nds and 3rds also available.
Patch of Land
50K 3M 85 18 YY Y Y Y Y Y Y Y Y YY Y Y Y Y Y Y Y Y Y Y Y
NATIONWIDE except: AZ MN NV SD UT Patch of Land is a private money lender focused on $50K to $3M residential & commercial rehab, refi & bridge loans
for real estate investors.
LENDERNAME 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
1 Minimum loan
2 Maximum loan
3 Maximum LTV%
4 Term: maximum
loan term in months
LOAN LIMITS BORROWERS PROPER TY T YPES LOAN CHARAC TERISTICS
12 Single-family residence
13 2-4 unit residential
14 Condominiums and townhomes
16 Mobile/manufactured homes
17 Few comps: done, berm, log,
historical, ultra-modern, etc.
18 Non-owner, 1-4 units, zoned
other than residential
7 Builders, developers
8 Legal entities
9 Foreign nationals
10 Foreign legal entities
11 Property in probate, heirs
21 Rate & term refinance
22 Cash-out refinance
23 Blanket loans
24 Bridge loans
25 Business-purpose financing
28 OK: Foreclosure, bankruptcy,
short sale, NOD, NOS
30 Notes purchased
31 Equity only (no credit nor
32 Seasoning: none required,
33 Seasoning: none required
34 Second mortgages/trust deeds
35 Third/fourth mortgages/
The Hard Money matrix lists lenders’
equity-driven loan programs, preferred
property types and borrower types for
owner-occupied and non-owner-occupied
residential properties. Maximums may
not be available for all selected property
and loan types.