Lendmire Research

New construction hard money is really two loans wearing one strategy.

Hard money raw land loans are private, asset-based loans used to buy or refinance vacant, unentitled parcels that banks routinely decline.

No-hassle hard money for land means the loan gets underwritten against the parcel’s value, the equity cushion, and the exit plan — not personal income

Hard money lenders in North Carolina don’t operate under a special “hard money” license — they either hold a state finance-lender license or fall inside

Hard Money Equity Line Of Credit: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

“Hard money loan terms” means two different things, and a real estate investor needs both.

A direct hard money land loan is short-term, asset-based financing secured by raw or entitled land rather than a rented, income-producing property.

No hard money lender finances 100% of a purchase price.

A hard money loan is a short-term, asset-based loan secured by real estate rather than the borrower’s income or credit.

Hard money lenders finance a deal against the property itself, not the borrower’s income — and that mechanic works the same way whether the property sits

Raw land generates no rent, so it doesn’t qualify for a DSCR loan — there’s no cash flow to measure a coverage ratio against.

Hard money bridge lenders finance a property based on its value and your exit plan — not your income, tax returns, or W-2s.

A hard money loan is a short-term, asset-based loan secured by the real estate itself rather than by a borrower’s paycheck or tax returns — the lender

Hedge fund super jumbo hard money is asset-based financing on large-balance properties — generally north of $3 million — where the capital behind the loan

A second-position hard money loan is a business-purpose loan recorded behind an existing first mortgage on the same property — the lender only gets paid