Private Money Lending
Fast Private Money Loans
for Real Estate Investors
Fix & flip, DSCR rentals, bridge, ground-up construction, and hard money — funded in days, not months. Asset-based underwriting. No W-2 required. 100+ investor lenders.
$100K
Min. loan
$5M+
Max. loan
7 days
Fast close
Secure & Confidential — No Hard Credit Pull
Get matched to the right program
A Mortgage Houz private money specialist will contact you within 4 business hours.
By submitting, you agree to be contacted by Mortgage Houz, LLC (NMLS #2755375) via phone, email, and SMS. Reply STOP to opt out. Not a commitment to lend. Business purpose loans only.
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We’ve got your request!
A Mortgage Houz private money specialist will contact you within 4 business hours to discuss your loan scenario and match you with the right program.
Choose your program
4 Private Money Programs
Fix&Flip · Bridge · DSCR
Program A — Investor Specialist
Experience-tiered pricing for fix & flip, bridge, DSCR, multifamily 5+, and ground-up construction. Rates improve with deal count. 100% rehab costs. No prepay on F&F.
Fix&Flip · Bridge · Construction
Program B — Tech-Powered Lending
Technology-powered investor lending. $100K–$5M. Bridge, fix & flip, construction for SFR and 2–4 units. 48-hour draw release. Requires 1 prior investment. Entity vesting required.
Fix&Flip · DSCR · Commercial
Program C — Hard Money Direct
Asset-based hard money. Fix & flip (interest-only, no PPP), DSCR rentals, bridge, construction, and commercial CRE. $1B+ closed. 24–48 hour approvals. Nationwide coverage.
Hard Money · No FICO Min
Program D — Equity-Based
Private money based on property equity — no minimum FICO, no income verification, no upfront fees. SFR, multifamily, commercial, land. Fund in 7–15 days. $50K–$3M+. Same-day approval.
Explore Each Program
Go deeper — view full terms & apply
A
Program A — Investor Specialist
Fix & Flip • Bridge • DSCR • Multifamily 5+ • Construction
Rates from 9.64% (experienced investors)
92.5% LTP + 100% rehab for 10+ deal investors
No prepayment penalty on fix & flip
30-year DSCR rental financing available
Ground-up construction from 9.84% / 18 months
B
Program B — Tech-Powered Lending
Fix & Flip • Bridge / Acquisition • Construction
$100K – $5M loan range
100% of renovation costs funded
48-hour draw release after third-party inspection
6–36 month terms; SFR and 2–4 unit
More competitive than hard money; fewer docs than a bank
C
Program C — Hard Money Direct
Fix & Flip • DSCR Rental • Bridge • Construction • Commercial
$1 Billion+ in closed deals — nationwide coverage
24–48 hour approval on all programs
Fix & flip: interest-only, no prepay penalty
DSCR: soft pull only, no income docs, no tradeline limit
Commercial CRE bridge available
D
Program D — Equity-Based Hard Money
Purchase Money • Refi/Cash-Out • Hard Money • Commercial • Land
No minimum FICO score required
No income or asset verification needed
Zero upfront fees — ever
$50K–$3M+ • Fund in 7–15 days
SFR, multifamily, commercial, land, office, retail, industrial
Quick comparison
Min FICO
Loan Range
Top Use Case
Speed
Program A
650
$100K – $5M+
Fix & Flip / DSCR / Construction
Days
Program B
650
$100K – $5M
Fix & Flip / Bridge / Construction
48-hr draw
Program C
Flexible
Custom
F&F / DSCR / Commercial
24–48 hr
Program D
None
$50K – $3M+
All types incl. land
7–15 days
Click any row to view full program details and apply.
Why Mortgage Houz
One Broker. 100+ Lenders.
⚡
Close in days, not months
Asset-based underwriting means fast decisions and faster funding — some programs close in as little as 7 days.
📄
No W-2 or tax returns
Qualify based on property value, equity, or cash flow — not personal income or employment history.
🏠
All property types
SFR, 2–4 unit, multifamily 5+, mixed-use, commercial, land, office, retail, industrial, and new construction.
🏗
LLC & entity vesting
Close in your LLC, trust, or corporation for maximum asset protection and pass-through tax efficiency.
💰
No upfront fees (select programs)
Several programs charge zero fees upfront — you only pay at closing after your deal is funded.
✅
Bad credit? Still options.
Program D has no minimum FICO. Bankruptcy history may still qualify on equity-based underwriting.
Program A — Investor Specialist
Fix & Flip • Bridge • DSCR
Multifamily • Construction
Experience-tiered private money. The more deals you've closed, the better your rate and leverage. 100% rehab costs funded. No prepayment penalty on fix & flip. 650 FICO minimum.
92.5%
Max LTP (10+ deals)
100%
Rehab funded
None
Prepay on F&F
Secure & Confidential — No Hard Credit Pull
Get your rate in minutes
A Mortgage Houz specialist will contact you within 4 business hours with personalized options.
By submitting, you agree to be contacted by Mortgage Houz, LLC (NMLS #2755375) via phone, email, and SMS. Reply STOP to opt out. Not a commitment to lend. Business purpose loans only.
✓
You're all set!
A Mortgage Houz specialist will call you within 4 business hours with your personalized Program A rate options.
Program A Products
Select a loan type to view terms
🔨Fix & Flip — Program A
Rate — new investor (1–2 deals)
From 10.64%
Rate — intermediate (3–5 deals)
From 10.14%
Rate — experienced (10+ deals)
From 9.64%
Max LTP — new investor
80% purchase + 100% rehab → 70% ARV
Max LTP — experienced
92.5% purchase + 100% rehab → 75% ARV
Min FICO
650
Term
6–24 months
Prepayment penalty
None
Interest charged on
Outstanding balance only
Property types
SFR, 2–4 unit, condo, townhome, PUD
Draw inspections
$200/draw (deducted from rehab budget — not OOP)
🔗Bridge Loan — Program A
Purchase LTV
Up to 75% of as-is value
Refinance LTV
Up to 70% of as-is value
Cash-out LTV
Up to 65% of as-is value
Term
12–18 months
Prepayment penalty
None before month 9 (18-month bridge term)
Min FICO
650
Property types
SFR, condo, 2–4 unit, mixed-use
🏠DSCR Long-Term Rental — Program A
Term
30 years
Qualification basis
Property cash flow — no personal income required
Property types
SFR, condo, 2–4 unit, townhome
Entity vesting
LLC, trust, corporation OK
Min FICO
660
Prepay penalty options
Multiple structures available; varies by investor
🏛Multifamily 5+ — Program A
Property type
Apartment buildings 5+ units; mixed-use (70%+ residential sq ft)
Bridge — purchase LTV
Up to 70% of as-is value
Bridge — refinance LTV
Up to 70% of as-is value
Bridge — cash-out LTV
Up to 65% of as-is value
Min FICO
650
Appraisal
As-is and ARV; cost varies by property size
🏗Ground-Up Construction — Program A
Rate
From 9.84%
Term
18 months
Coverage
Full ground-up construction financing needs
Min FICO
650
Draw inspection
Third-party per draw; 48-hour wire release
1
Submit your info
Complete the hero form above in under 2 minutes.
2
Specialist calls you
Mortgage Houz contacts you within 4 hours with tiered rate options.
3
Get approved fast
Asset-based approval — faster than any traditional lender.
4
Close your deal
Fund in days. Close with confidence. Grow your portfolio.
Program B — Tech-Powered Lending
Fix & Flip • Bridge
Construction Financing
Technology-powered investor lending from $100K to $5M. SFR and 2–4 unit. 6–36 month terms. 100% rehab costs funded. 48-hour draw release. Requires 1 prior investment. Entity vesting required.
$100K
Minimum loan
$5M
Maximum loan
48 hrs
Draw release
Personalized Quote in Minutes
Get your instant options
Answer a few questions and receive personalized loan options. No hard pull.
By submitting, you agree to be contacted by Mortgage Houz, LLC (NMLS #2755375) via phone, email, and SMS. Reply STOP to opt out. 1 prior investment required. Entity vesting required. Not a commitment to lend.
✓
Inquiry received!
A Mortgage Houz specialist will reach out within 4 hours with tailored Program B loan options for your project.
Program B Products
Select a loan type to view terms
🔨Fix & Flip — Program B
Loan range
$100,000 – $5,000,000
Term
6–24 months
Rehab costs funded
Up to 100% of renovation costs
Min FICO
650
Min investor experience
1 prior investment required
Draw release time
48 hours after third-party inspection
Draw funding method
Wired directly to borrower account
Property types
SFR, 2–4 unit, attached/detached PUD
Not eligible
Mobile homes, vacant land, commercial, owner-occupied
Entity vesting
Required — entity only
Rate positioning
More competitive than traditional hard money; slightly above bank
🔗Bridge / Acquisition — Program B
Use case
Property acquisition or cash-out refinance
Term
6–24 months
Loan range
$100,000 – $5,000,000
Min FICO
650
Rate advantage
More affordable than traditional hard money
Entity vesting
Required
Powered by
Data-science underwriting for fast, accurate decisions
🏗Construction Financing — Program B
Term
Up to 36 months
Loan range
$100,000 – $5,000,000
Draw release
48 hours after third-party inspection
Draw funding
Wired directly to borrower account
Min FICO
650
Specialist team
Experienced construction lending professionals
Entity vesting
Required
1
Submit your info
Complete the form in under 2 minutes above.
2
Instant options
Technology-powered system surfaces personalized options.
3
Fast approval
Fewer docs than a bank with competitive rate pricing.
4
Draw & build
48-hour draw release keeps your project on schedule.
Program C — Hard Money Direct
Fix & Flip • DSCR • Bridge
Construction • Commercial
One of the fastest-growing direct asset-based hard money programs in the U.S. $1B+ closed. 24–48 hour approvals. Interest-only fix & flip with no prepay. DSCR with no income docs. Nationwide coverage.
$1B+
Total funded
24 hrs
Approval time
None
PPP on F&F
Approved in 24–48 Hours
Get your custom quote
Built around your property and goals. No pressure, no obligation, no hard pull.
By submitting, you agree to be contacted by Mortgage Houz, LLC (NMLS #2755375). Not available in ND, SD, NV, AZ. Reply STOP to opt out. Not a commitment to lend. Business purpose only.
✓
Request submitted!
A Mortgage Houz specialist will contact you within 24–48 hours with a custom Program C quote for your deal.
Program C Products
Select a loan type to view terms
🔨Fix & Flip — Program C
Term
6–12 months
Payment structure
Interest-only — lower monthly payments
Prepayment penalty
None (12-month program)
Approval speed
24–48 hours
Geographic coverage
Nationwide (excludes ND, SD, NV, AZ)
After renovation option
Refinance into DSCR if holding as rental
Total funded (historical)
$1 Billion+
🏠DSCR Rental — Program C
Qualification basis
Property cash flow — no personal income docs
Credit pull during quote
Soft pull only — no impact on credit score
Property limit
No tradeline limit — finance unlimited properties
Min FICO (best rates)
700+ recommended; lower scores considered
Prepayment penalty
1–5 year PPP structures available
Approval speed
24–48 hours
🔗Bridge Loan — Program C
Use case
Acquisition, cash-out refinance, portfolio bridge
Qualification
Asset-based — no W-2 or income docs required
Approval speed
24–48 hours
Terms
Consultative — custom terms structured per deal
🏗Ground-Up Construction — Program C
Loan type
Short-term construction bridge financing
Approval
24–48 hours
Qualification
Asset-based; minimal income documentation
Geographic coverage
Nationwide (excludes ND, SD, NV, AZ)
🏢Commercial CRE — Program C
Loan type
Commercial real estate bridge & value-add capital
Structuring approach
Consultative — custom terms per commercial deal
Qualification
Asset-based underwriting
Approval
24–48 hours
1
Submit your info
Under 2 minutes in the hero form above.
2
24–48 hr approval
Among the fastest approval timelines in hard money.
3
Custom quote
Rate and terms built around your specific deal.
4
Close fast
Fund your deal and execute your strategy.
Program D — Equity-Based Hard Money
No Minimum FICO • No Income Docs
Equity-Based Private Money
Private money based on property equity — not your credit score, income, or asset history. SFR, multifamily, commercial, land, office, retail, industrial. $50K–$3M+. Fund in 7–15 days. Zero upfront fees. Same-day approval available.
None
Min FICO
7–15
Days to fund
$0
Upfront fees
Same-Day Approval Available — Zero Upfront Fees
Get equity-based financing today
No credit score minimum. No income verification. Approval in as little as 1 business day.
By submitting, you agree to be contacted by Mortgage Houz, LLC (NMLS #2755375). No upfront fees ever charged. Reply STOP to opt out. Not a commitment to lend. Business purpose only.
✓
Same-day response incoming!
A Mortgage Houz specialist will contact you today about Program D equity-based financing. No upfront fees will be charged at any point before closing.
Program D Products
Select a loan type to view terms
💰Private Hard Money — Program D
Loan range
$50,000 – $3,000,000+
Max LTV
Up to 75%
Term
1 year – 7 years
Min FICO
None required
Income / asset verification
Not required — equity-based underwriting
Bankruptcy history
May still qualify
Funding speed
7–15 business days
Upfront fees
None
Trust deed positions
1st, 2nd, and 3rd trust deeds available
Same-day approval
Available on qualifying scenarios
Property types
SFR, multi-family, apartments, land, office, retail, industrial
🔑Purchase Money — Program D
Competitive advantage
Akin to all-cash offer — faster close, fewer contingencies
Close speed vs. bank
7–15 days vs. 30–60 days for traditional financing
Loan range
$50,000 – $3,000,000+
Min FICO
None required
Upfront fees
None
Refinance path
Refinance into long-term conventional rate after acquisition
Strategy
Win competitive deals against buyers using bank financing
🔄Refinance / Cash-Out — Program D
Purpose
Cash out existing equity from investment properties
Max LTV
Up to 75%
Qualification
Property value only — no income verification required
Min FICO
None required
Term
1–7 years
Loan range
$50,000 – $3,000,000+
Funding
7–15 days
🏢Commercial & Land — Program D
Property types
Office, retail, industrial, apartment buildings, raw land, mixed-use
Loan range
$50,000 – $3,000,000+
Max LTV
Up to 75%
Min FICO
None required
Raw land loans
Yes — including vacant land
Upfront fees
None
Funding
7–15 days
Trust deed positions
1st, 2nd, and 3rd trust deeds available
1
Submit property info
No credit score or income docs needed.
2
Same-day approval
Equity-based decision — fast and transparent.
3
Zero upfront fees
No fees charged until your deal closes successfully.
4
Fund in 7–15 days
Among the fastest hard money funding available.