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Most hard money lenders keep loan-to-value ratios ( LTV ratios) relatively low. Their maximum LTV ratio might be 50% to 70%, so you’ll need assets to qualify for hard money. With ratios this low, lenders know they can sell your property quickly and have a reasonable shot at getting their money back.
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How To Get Hard Money Loans In the wake of the Great Recession, the EB-5 program – often referred to as “cash for visas” – became an easy source of financing for real estate developers who found themselves unable to borrow money.
We also have the list of nationwide hard money lenders that will work with poor credit, including Allrise Financial Group, Do Hard Money, FBC Funding, LendingHome, Lima One Capital, and Patch of Lend. To find a local hard money lender, check out our list of online directories below.