Hard money loans for real estate investors.

Hard money is short-term, asset-based financing secured by investment real estate. The underwriting weighs the property, the purchase price against its value today and after repairs, the budget, and the exit — a sale or a refinance into long-term financing — ahead of personal income. No tax returns. No W-2s. A property that a conventional or DSCR program won't touch as-is, because of condition, vacancy, or a closing timeline measured in days, is exactly what hard money exists for.

For fix-and-flip investors, buy-and-hold investors acquiring distressed inventory, and anyone bridging a purchase before a stabilized refinance, hard money isn't the expensive last resort — it's the tool that matches the timeline. The cost is carried for months, not decades, and the plan is to be out of it on schedule. Lendmire works with multiple hard money and private money lending partners across fix-and-flip, bridge, ground-up construction, and refinance structures on non-owner-occupied residential property — one to four units, and new construction up to ten — and plans the take-out into DSCR financing alongside the loan, so the exit is part of the file from the start.