Who’s a Good Fit for Hard Money
Investors who need to close on a timeline conventional credit cannot hit, with equity in the deal and a defined exit (sale, refinance to DSCR/conventional, or another takeout). Borrowers who understand this is expensive short-term money on purpose.
If you want a long-term rental loan, start with DSCR or investment property. If you are owner-occupying and renovating to keep, renovation is usually the better first read.
How it relates to flip and bridge
Hard money — specialty/private capital, deal-driven (this page).
Fix and flip — the use case many hard-money deals fund → fix-and-flip.
Bridge — buy-before-sell or short gap → bridge.
Same borrower might see all three labels from different shops. One application with me; I shop lenders.
Honest limits
Not all situations qualify. Thin equity, fuzzy rehab scopes, or no exit plan get declined. I will not print a max LTV or a rate. Experience helps; some programs still listen to newer investors with more skin in the game.
What I need from you
Apply with the deal: purchase price, rehab if any, ARV or exit value, timeline, and how you get out. You don’t have to know whether the right label is hard money, bridge, or flip — that’s what I’m here for.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.