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Apply Now for Hard Money!

Hard money? What is it?
We’ve heard this form of loaning referred to as a “Real Estate Pawn Shop”.

It is also known as a “Sub Prime Real Estate Loan.” It’s an alternate form of real estate mortgage for owners of residential or commercial real estate properties.

It is most often used when banks, insurance companies, and traditional mortgage lenders will not entertain your loan, because of bad credit, or other problems, but there are other times when this type of loan is used -- and that is when “time is of the essence” and you have to close within days. Often we can close your loan within 5 to 7 business days. And you won't be faced with extensive paperwork – lenders generally only require proof of the value of the real estate.

We don’t really care about FICO scores although we do need to know your credit history.

How Does Hard Money Work?
Hard Money lending is collateral based. Collateral can include real estate, business assets, receivables, and personal assets such as cars, art, jewelry, etc. Most hard money lenders prefer real estate as collateral. Real estate holds its value well and is immovable making it much easier to collect on if the borrower stops making payments. Since collateral is the main requirement, credit, income, and other person qualifications are not as important, and often are ignored in the underwriting process. But don't be surprised if a hard money lender asks for your personal information and runs a credit check. They still want to know who they are dealing with in order to prevent fraud.

Common misconceptions about what hard money lending is include: unsecured loans, personal loans, and loans for more than what the collateral will allow a lender to recoup from the foreclosure process. These loan types are best served by banks and large institutional lenders that feel comfortable with the additional risk of losing money in the event of non-payment. Most hard money lenders will not make construction loans, no money down purchase loans, and rehab loans based on fixed up values. These are special niches that only a small percentage of lenders cover.

Hard Money lenders are often from private sources. The lending philosophy is to fill niches conventional lenders will not touch. Because of their small size and personal involvement, hard money lenders can usually close a loan much faster and with less paperwork than a conventional lender. Speed and flexibility are the hard money lender's biggest competitive advantage, allowing them to charge higher rates and fees than conventional lenders. Because hard money is expensive, it is typically viewed as a temporary solution. Loans are usually written for no more than a 5 year term.

Hard money loan guidelines and typical transactions include:

$200,000 to $10,000,000 per transaction/same project
Up to 70% loan-to-value improved-marketable structures
Up to 50% loan-to-value on development land
Commercial and Residential property acquisition, construction, and refinancing
Bank workouts, bankruptcies and foreclosures are common
Loans on commercial buildings, mixed use, vacant land, and more ...

Got a tough multi-million dollar deal?
Consistently hearing "No" to your deal because it doesn't fit the conventional box?
Need a short term loan? Are traditional lenders taking forever to close?

What we will need from you (The Borrower) :

Color Photos of the Property
Commercial Loan Info Sheet
Last 2 years Income and Expense Statements for Property
Rent Roll (If Applicable)
Current Personal Financial Statements for Borrower
Purchase Agreement

Apply Now!
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For All Other Commercial Mortgages Please Visit
Alexander Realty Capital

600 Whitehead St Suite 101, Key West, FL, 33040 | david@alexanderrealtycapital.com | 305.293.9222 | Add to Contacts

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