Hard money, minus the hard part.
Every lender says "no jargon" and then hits you with ARV, LTV, and BRRRR in the first paragraph. We're going to try something different: a moving truck.
Imagine you need to borrow a truck.
Because that's basically what this is.
"Great! We'll need your last two years of tax returns, three pay stubs, and 45 days."
By the time you're approved, the couch is gone. Someone else moved it.
"What are you moving, and can you get it back to me by Friday?"
We care about the job, not your paperwork. If the plan makes sense, keys are yours.
That's a hard money loan. We lend based on the house and your plan for it — not your W-2s. You use it for months, not decades, and you pay a bit more for the speed. That's the whole thing.
The Jargon Translator
You'll hear these words eventually. Tap a card and we'll ruin their mystique.
"After-Repair Value." What the house will sell for once it stops being ugly.
Not a cold noise. Buy, Rehab, Rent, Refinance, Repeat — flipping, but you keep the house.
Fancy words for "how you'll pay us back." Sell it or rent it — either works.
The lender's fee, in percent. 2 points on $100K = $2,000. Nobody knows why we don't just say that.
Your down payment. If your money is in the deal too, we know you're serious about the couch.
"Hard" as in a hard asset (the house) backs the loan. Not hard as in difficult. Terrible branding, honestly.
The only three questions we really ask
No trick questions. No essay section.
Buying at a discount + a realistic fix-up = a deal that works.
Sell it? Rent it? Great. We just want to see you've thought past the closing table.
A down payment. That's it. First deal ever? Totally fine — most of our borrowers started there.
Have questions? That's normal.
Everyone does on their first deal. Call us and a real person will walk you through it — plain answers, no pressure.