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Experience: number of flips *

Experience: rental properties owned *

Experience: Airbnb short-term rental *

After Repair Value (ARV): Expected value after renovations. *

Rehab Budget: A detailed budget for planned repairs or renovations. *

Current Condition *

move-in ready

distressed

requires significant work.

Loan Purpose *

purchase

refinance

rehab

Loan-to-Value (LTV): Desired loan as a percentage of the property value. *

Loan Term: Duration of the loan, typically 6–24 months for hard money. *

Proof of Funds: Bank statements showing sufficient reserves for down payments and rehab *

Property Deed: Proof of ownership or agreement to purchase. *

Lien Position *

First lien position

Second lien position

Property Insurance: Proof of hazard insurance coverage. *

Builder’s Risk Insurance: For major rehabs or construction projects. *

Appraisal or Valuation *

Independent Appraisal: Required to confirm the current market value and ARV

Comparable Sales (Comps): Recent sales in the area to justify the value

Legal and Compliance *

Property Title: Clear title without outstanding liens.

Personal Guarantee: Signed agreement making the borrower personally responsible for repayment.

Entity Information: If borrowing through an LLC or corporation, provide Articles of Incorporation, Operating Agreement, and EIN.

Origination Fee: Typically 1–3% of the loan amount *

Processing Fee: Any additional administrative costs. *

Monthly Payments: Whether interest-only or amortized payments are required. *

Interest Rate: Clearly stated, usually ranging from 8–15% annually for hard money loans. *

Additional Requirements *

Inspection Report: Proof of property inspection by a licensed inspector.

Rehab Plan: Timeline and contractor details for renovations.

Debt-to-Income Ratio: Demonstrating the borrower’s capacity to manage existing debts and the new loan.

Exit Strategy Proof: Evidence supporting the chosen exit strategy, such as a pre-approval letter for refinancing or a realtor agreement for sale.

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Phone: 901-801-7935

Address Office: 901-801-7935