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Hard Money · When the deal can’t wait

Hard Money: When the deal can’t wait, hard money gets it done.

Asset-based lending secured by the property itself. When timing kills deals and banks can’t move, hard money closes in days — refinance or acquisition. Investment properties in every state we lend; primary residences in Oregon, Idaho, Washington, and California only.

  • Close in Days, Not Months — The fastest path to capital for an equity-rich refinance or a time-critical acquisition.
  • Asset-First Underwriting — Credit-flexible — the property and your plan carry the file.
  • Up to 70% LTV — On investment properties, with foreign nationals and ITIN borrowers welcome on investment deals.
  • Purchases With 10% Down — 10% down at 700+ FICO (3.5 points); 15% down below 700.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

What type of property is this?

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Not months, to close
Days
Loan amounts
$75K–$5M
Max LTV (investment)
70%
Asset-first underwriting
Credit-flexible

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your Hard Money numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

Hard Money Loan Calculator

Down payment, loan amount, interest-only payments, and the balloon payoff for a hard money purchase.

$500K
$100K$5.0M
15%
0%50%
%

Enter the rate you want to model — we don’t advertise rates; your pricing is quoted individually.

12 mo
6 mo24 mo

Enter an interest rate above to see your results.

Opens the 60-second options check with your numbers filled in — no hard credit pull.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The Hard Money guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

Hard Money requirements

What you need

  • Loan Amount: $75K – $5M
  • Max LTV: 70% (investment)
  • Purchase Down Payment: 10% at 700+ FICO (3.5 points) · 15% below 700
  • Fix & Flip: $300K+ purchase price and 700+ FICO
  • Primary Residence: Oregon, Idaho, Washington & California only
  • Investment Property: Every state we lend in
  • Borrowers: Foreign national & ITIN OK on investment
  • Where we lend: Available for primary residences in 4 states; investment properties in 44 states plus Washington, D.C. — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Recently Funded

Recently funded: Hard Money.

A sample of loans funded for clients across the country — borrower details omitted for privacy.

  • Hard Money

    San Pedro, CA

    $433,000

Examples of actual funded transactions; borrower details omitted for privacy. Past transactions are not a guarantee of loan approval or terms. All loans subject to credit approval.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “Had a great experience with Anthony. He was professional, patient, and very helpful in explaining the process clearly. Anthony's support made everything smooth and stress-free. Highly Recommended. Thank you Anthony”
    NF · Peoria, ArizonaVerified client review

  • 5 out of 5 stars

    “Anthony was outstanding to work with throughout the entire loan process. He was extremely responsive, knowledgeable, and proactive at every step, which made the transaction smooth and stress-free.”
    Ashish S · Mason, OhioVerified client review

  • 5 out of 5 stars

    “Anthony was extremely helpful and responsive. He quickly found out what we needed and made it happen. Excellent service!”
    Jesse W · Pullman, WA · Aug 2026Verified client review

FAQ

Frequently Asked Questions

Common questions about the Hard Money.

What credit score do I need for hard money?

Hard money is credit-flexible — underwriting is asset-first. Credit does set your down payment on purchases: 10% down at 700+ (with 3.5 points) or 15% down below 700. Fix-and-flip loans need a $300,000+ purchase price and 700+ credit.

How fast can hard money close?

In days, not months — hard money is the fastest path to capital when timing would kill the deal. Your timeline depends on the property and how quickly the file comes together.

When is hard money the right choice?

When speed or flexibility matters most: equity-rich refinances, time-critical acquisitions, credit challenges, or deals that conventional underwriting can’t move fast enough for. On a primary residence, hard money is available in Oregon, Idaho, Washington, and California only.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

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. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

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.