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What We Fund
​Cash-Out Refinance
Cash-out refinance loans for real estate investors to access equity from investment properties nationwide.
DSCR
DSCR loans for rental properties based on cash flow, not personal income or tax returns.
Fix & Flip
Fix and flip loans for investors purchasing, renovating, and reselling residential properties quickly.
New Construction
​New construction loans for ground-up residential and small commercial real estate projects.
Long-Term Rental
Long-term rental loans for income-producing investment properties and portfolio landlords
Small Commercial
Small commercial real estate loans for stabilized or value-add investment properties.
Bridge
Bridge loans providing short-term financing to bridge purchase, refinance, or sale timing gaps.
Transactional Funding
​Transactional funding for same-day, back-to-back wholesale real estate transactions.
Property Types
New Construction
Small Commercial
Multi-Family
Residential 1–4
Mixed-Use
Churches
​Why Investors Choose Us
Same-day term sheets
7–10 business day closings nationwide
Asset-based underwriting
No DTI, no tax returns
Direct access to decision-makers
Capital built for speed and certainty
SIMPLE LOAN BOX
LOAN AMOUNTS
$150K - $10M+
MAX ARV
75% ARV
PURCHASE / REHAB
90% / 100%
MAX TERM
30 YEARS
Final terms subject to property, experience, and state requirements.
Lending Leadership
My Hard Money Guy is led by a lending professional with deep experience in real estate finance, investor lending, and deal structuring across different market conditions
Our leadership understands how investors actually operate — tight timelines, value-add projects, non-traditional income, and properties that fall outside bank guidelines. That experience shapes how we underwrite, communicate, and close.
Rather than relying on rigid formulas, we focus on:
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Asset-based underwriting
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Clear loan structures
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Speed and execution
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Direct decision-maker access
This approach allows us to work with real estate investors, builders, and developers nationwide, providing hard money loans, bridge financing, DSCR loans, and construction funding tailored to real-world investment scenarios.
How It Works
01
​Submit your deal
Fill out our simple deal intake form with property details
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Receive terms (same day)
Get your preliminary term sheet within hours
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Close fast — anywhere in the U.S.
Fund your deal in 7–10 business days nationwide
Who This Is For
Real estate investors
Wholesalers
Builders
Portfolio landlords
​Private Capital Opportunities
We work with private individuals and entities seeking to place capital into real estate backed investment opportunities nationwide.
Investment Structures
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Individual, deal-specific opportunities
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Participation in secured real estate loans
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Pooled capital structures (by invitation only)
Asset Types
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Residential investment properties
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Fix & flip projects
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Small commercial assets
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New construction projects
Who This Is For
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Accredited investors and first-time private investors who understand real estate investment risk
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High-net-worth individuals seeking real estate-backed opportunities
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Investors comfortable with asset-backed, deal-specific structures
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Individuals seeking alternatives to traditional markets