Hard Money Loans for Real Estate Investors | REIF Loans
Fast, flexible hard money loans for real estate investors. Private financing for fix-and-flip, rental properties, and short-term investment deals.
Hard Money Loans Built for Real Estate Investors
At REIF Loans, we provide hard money loans that move as fast as your next deal.
Our private financing programs help real estate investors purchase, renovate, refinance, or bridge properties when traditional lenders can’t keep up.
Whether you’re flipping a home, acquiring a rental, or funding a short-term project, REIF Loans delivers quick, flexible, and reliable hard money financing designed to close fast and fuel your investment growth.
What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan used to finance real estate investments.
Unlike conventional loans that rely on income or credit, hard money lenders focus on the property’s value and potential — not your tax returns or W-2s.
Typical Hard Money Loan Features:
- Financing up to 90% of purchase price and 100% of rehab costs
- Fast closings, often within 5–10 business days
- Interest-only payments for improved cash flow
- Flexible terms, usually 6–18 months
- Designed for both experienced investors and first-time buyers
These loans are ideal for time-sensitive deals where speed and simplicity matter most.
Why Real Estate Investors Use Hard Money Financing
Investors turn to hard money financing when traditional banks can’t provide quick or flexible funding.
REIF Loans connects you with private capital that moves faster — helping you compete, close, and scale without red tape.
Speed and Simplicity
Get funded in days, not weeks, with streamlined documentation and direct underwriting.
Flexible Collateral Options
Secure financing based on property value, not strict borrower criteria.
Interest-Only Payments
Keep more working capital available for materials, labor, or your next investment.
No Income Verification
Qualify based on the project’s equity and exit strategy, not personal income.
Bridge and Rehab Capabilities
Fund purchases, renovations, or short-term transitions between financing stages.
Types of Real Estate Hard Money Loans We Offer
At REIF Loans, we offer a full suite of real estate hard money loans designed to fit every investor’s strategy — from quick flips to income-producing rentals.
Fix and Flip Hard Money Loans
Finance both the acquisition and renovation of investment properties, with draws released as work progresses.
Bridge Hard Money Loans
Short-term financing to hold or improve properties before selling or refinancing.
Hard Money Loans for Rental Properties
Bridge the gap to permanent DSCR financing while stabilizing a rental or completing minor upgrades.
Private Money Loans for Real Estate
Flexible, equity-driven loans funded by private capital — perfect for non-traditional projects.
Refinance or Cash-Out Hard Money Loans
Leverage built-up equity to reinvest, pay off debt, or fund new acquisitions.
Hard Money Loan Requirements and Terms
While hard money loans are more flexible than traditional financing, lenders still evaluate the property, project scope, and borrower’s plan.
Typical Requirements:
- Credit Score: 600+ (credit flexibility available)
- Down Payment: 10–20% of purchase or total project cost
- Loan Term: 6–18 months
- Collateral: Real estate property (residential, multifamily, or commercial)
- Exit Strategy: Plan for resale or refinance upon completion
Hard money loans are short-term by design — giving investors the capital to act fast and transition smoothly into permanent financing.
Frequently Asked Questions About Hard Money Loans
How fast can I close a hard money loan?
Most REIF Loans hard money deals close in 7–10 days, depending on documentation and property type.
What types of properties qualify for hard money financing?
We fund residential, multifamily, mixed-use, and small commercial properties with clear equity and exit potential.
Can I use a hard money loan for a rental property?
Yes. Many investors use hard money loans for rental properties to acquire, renovate, and stabilize units before transitioning to DSCR or conventional loans.
Do I need perfect credit to qualify?
No. Hard money approval is based on property value and project strength, not credit history.
What’s the difference between a hard money and private money loan?
They’re similar — hard money loans are typically from private lenders or investor networks, while private money can also come from individual investors or funds.
Ready to Secure Your Next Investment with Hard Money Financing?
Whether you’re flipping, refinancing, or repositioning a property, REIF Loans delivers fast, flexible hard money loans that help you act with confidence and close on time.
Our investor-focused team provides clear terms, quick approvals, and expert guidance every step of the way.