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Hard Money loans provide fast, flexible capital for investors tackling short-term acquisitions, renovations, or interim financing — with no minimum credit score, 15% down, and no reserves required.
Run the NumbersKey Advantages
Why Choose a Hard Money?
Here's what sets this loan product apart and who it works best for.
7-22 Day Closings
The fastest path to capital when a deal can’t wait.
No Minimum Credit Score
Fully asset-based qualification — any credit score works, so credit challenges don’t kill the deal.
No Reserves Required
15% down and no reserve requirement keeps more of your capital deployed.
No Prepayment Penalty
Pay off early without extra costs when your exit comes together.
Calculator
Hard Money Loan Calculator
Down payment, loan amount, interest-only payments, and the balloon payoff for a hard money purchase.
Enter the rate you want to model — we don’t advertise rates; your pricing is quoted individually.
Enter an interest rate above to see your results.
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Eligibility
Qualification Requirements
General guidelines for Hard Money eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Experience Required | First Time Investor OK |
| Minimum Credit Score | None — any score OK |
| Liquidity | 15% Down |
| Reserves | Not Needed |
| Prepayment Penalty | None |
| Max LTV | 70% |
| Loan Term | 12-24 Months Interest Only |
| Closing Timeline | 7-22 Days |
| Loan Amount | $100k - $5M |
| Asset Types | SFR, Condo, Townhome, 1-8 Units |
| Product Specifics | Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about Hard Money loans.
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Ready to explore Hard Money?
Answer a few quick questions and get a personalized strategy recommendation — including whether Hard Money is right for your situation.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
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Related Loan Products
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DSCR Loan
The rent qualifies — not your tax returns
DSCR (Debt Service Coverage Ratio) loans provide streamlined financing based on property cash flow rather than personal income. One program covers long-term rentals, short-term rentals like Airbnb and VRBO, and 2-4 unit multi-family — for acquisitions, refinancing, or portfolio growth.
Learn moreCash-Out / Investor Refinance
Turn equity into a lump sum — or reposition the portfolio
Replace your current mortgage and walk away with cash, reduce your payment, or restructure rental debt to free up capital. Homeowners most often use cash-out to consolidate high-interest debt in one closing; investors refinance rental debt without tax returns via DSCR qualification.
Learn moreRental Property Loan
Own the rental. Let the rent do the qualifying.
Financing for rental properties — long-term leases, Airbnb/VRBO, and 2-4 unit multi-family — qualified on the property’s income rather than yours. Rental property loans are structured as DSCR loans: the full program details, specs, and calculator live on our DSCR page.
Learn more