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Hard Money Lenders 

Stirling Investment Group is one of top Private Hard Money lenders. Specializing in helping seasoned and beginner real estate
investors by providing short-term mortgage solutions to acquire, flip, rehab, or refinance commercial properties all across the United States.

  • Loan Amount: $150,000 – $50,000,000
  • Terms: 12 months to 30 years
  • LTV: up to 80%
  • Amortization:  Up to 30 years
  • Interest Rate: Starting at 7% 
  • Closing time: 2 to 4 Weeks
  • Origination fee: 2% to 6%
  • Lien position: First only
  • States Available: All 50 US States
  • Foreign nationals qualify
  • Low Credit and tax issues are not a problem
  • Payments: Interest only monthly payments, or fully amortized periods

Or speak to a loan advisor at  +1-800-438-9690

Contact us to learn how Stirling Investment Group can help you get the financing needed to expand your property investment portfolio.

You can also use our Pre-Qualification tool to find out if you qualify for a hard money loan.

Required Documents for Approval

  • Signed 1003 Real Estate Loan Application
  • Recent Mortgage Statement
    *Not required if the investment property is owned free and clear
  • 2 Years of Business and/or Personal Tax Returns
  • 4 months of Business and/or Personal Bank Statements
  • Copy of Credit Report- Available for free via CreditKarma
  • Rent Roll if you have multiple income-producing units

Eligible Properties for Stirling Investment Group Hard Money Loans

  • Single Family: 1-4 unit non-owner occupied
  • Multi Family: 5+ Units
  • Mixed use: Retail plus apartments
  • Retail
  • Office buildings
  • Hospitality
  • Self storage
  • Warehouse
  • Vacant Land
  • We don’t finance owner occupied residential rehab projects
  • What Do I Need To Qualify
  • Borrower Parameters:
  • What is a Hard Money Loan?
  • How does a Hard Money loan work?

What Do I Need To Qualify For a Hard

Money Loan?

The first thing you’d need to get approved for a Hard Money loan is to have at least 20% to 40% down payment in the case of a purchase, or substantial equity in the property if you’re looking for a cash out refinance.

The higher the down payment or property equity you have, the more likely you will be approved. We will also look at your credit score and cash reserves. We look at this to assess if you can make payments on time and pay for other costs like taxes, insurance, etc. Last but not least, we will look at the borrower’s experience in real estate. If this is the first time that the borrower is going to finance investment real estate, he or she might face more scrutiny than a borrower with years of experience in these types of deals.

Just contact us with the answers to these questions and we will give you a quick estimate:

  • Type of real estate (condo, townhouse, retail, warehouse, vacant land, etc.)
  • Property location (Address)
  • Current market value
  • Mortgage balance (if applicable)
  • Loan amount sought
  • Proposed use of funds

Borrower Parameters: 

A borrower seeking a hard money loan must meet the following generally stated requirements. Specific minimum requirements are set following our receipt of a loan application.

  • Preferred borrowers can be corporations or LLCs
  • Reasonable existing income reflected in bank statements
  • Reasonable cash reserves reflected in bank statements
  • Credit score of 550 or better (exceptions apply)
  • Ability to perform exit strategy may be needed

What is a Hard Money Loan? 

A hard money loan (HML) is a short-term financing solution, issued by private lenders, that allows real estate investors to obtain capital fast to develop, flip, or own properties directly.

A hard money loan is secured by the value of the subject real estate property, not by the borrower’s credit score. That’s how hard money lenders protect themselves against default by the borrower. Therefore these short- term loans can be obtained rather quickly. “Hard money” is a term used mostly in the U.S. and Canada where this kind of loan is common.

Unlike a traditional loan, hard money loans are not issued by banks. This type of loans are only issued by private investors.

How does a Hard Money loan work? 

A hard money loan works as an asset-based loan, meaning that while hard money lenders take into consideration the investor’s credit score, this is not a crucial factor in determining his or her eligibility. Instead, lenders require that you use real estate property as collateral.

They use the price of the property to calculate the risk of the loan and the Loan To Value (LTV). On the other hand, real estate developers, investors, and flippers use hard money to get the required funds to close time-sensitive deals where they can get a property at a low price, flip (fix) it, raise the value of the property and then sell or rent at a profit.

The main reason real estate investors choose to apply for a hard money loan is that private lenders can fund the deal within a week–or less if the borrower meets all the qualifications.

HML’s work great on short-term flips and rehabs, or for first-time purchases, yet on longer-term investments, HML’s are not the best idea.

Hard money loans also works similarly to bridge loans. They both have similar criteria for lending. Bridge loans are solely for buying real estate properties or investment properties that don’t qualify for traditional lending programs. A bridge loan can also be used as a down payment for a new home when the buyer hasn’t sold their current house yet.

Bridge loans can be issued by traditional and private lenders, and HMLs are only issued by private lenders, like Stirling Investment Group.

Stirling Investment Group, a Hard Money lender that will work for you

Stirling Investment Group especializes in hard money loans for flipping houses. We provide competitive non-bank lending options for commercial real estate and residential rental properties.

We make Commercial Real Estate transactions happen smoothly. Our comprehensive lineup of commercial real estate loans offer solutions for self-employed borrowers that are thinking about purchasing a building, get working capital through the equity on a property, or refinance your present commercial mortgage.

We lend across all 50 states of the United State with loans that range from $150,000 to $50,000,000 on all types of real estate properties.

If you have a 20% to 40 percent down payment available, and a 550 or higher credit score, then you need to contact and speak with one of our finance professionals today.

Our underwriting process is fast. We can deliver funds in only one to three weeks for these financial transactions.

If you are interested in residential real estate investment properties, either by flipping and fixing houses, buying properties and renting them, or cash-out refinance on a non-owner-occupied property, we offer a variety of solutions for you.

Our approvals are easy to secure, and our closings are quick. We can transfer the funds to you in as little as one to three weeks.

  • Construction
  • Cash-out
  • Purchasing land
  • Fixing and flipping properties
  • When the borrower has a low credit score
  • When the investor needs to act fast
  • Rehab Loans – Financing Purchase & Renovation Nationwide
  • Purchase, Refinance or cash out for Investment Properties
  • Up to 80% LTV of purchase price
  • Closing in 1-3 weeks
  • Fix and Flip financing with rehab funds
  • Terms from 6 months to 10 years
  • Foreign Nationals Qualify
  • Loan amounts from $150,000 to $50,000,000
  • Lending Nationwide
  • Free Pre-approvals
  • Fast approvals and closings!

Hard Money Frequently 

Asked Questions

A. Fill out our application loan and a loan officer will contact you within the next 24 business hours.

A. No, we only lend for residential investment properties.

A. Each case is unique and is evaluated individually based on the property type, cash flow of the property, your credit history, etc… Fill out our application form for a free quote.

A. Yes, we can fund your clients with tax liens. We understand tax liens and have closed multiple transactions with tax issues.

A. Not at this moment. Only first mortgages.

We assess the general market value of the property based on a number of factors, including: comparable sales, condition of the property, renovation that’s taken place, location, type of property, and a number of other criteria.

Single Family, multi family, mixed use, retail, office buildings, hospitality, self storage, warehouse, we don’t finance owner occupied residential rehab projects.

A. Not at all. All we need to start is a filled application form.

A. Based on the value that Stirling Investment Group determines we lend up to a maximum Loan to Value ratio of 80%. For example, if the property is worth 1 million, the loan amount could be 800,000.

A. We lend in all 50 states. 

2803 philadelphia pike Suite B #522 Claymont , DE 19703 833- DEALFLO

Call US:-  833-332-5356

Partner with Stirling Investment Group and Close more Deals

• Commercial Mortgage Broker Earn more commission by helping your clients get access to our direct private funding.

• Real Estate agents When banks say no, we say yes! Help your clients close their mortgages quick.

• Affiliate partners Refer deals to Stirling Investment Group and increase your monthly income by offering non-owner occupied and commercial real estate loans Become a Partner Today!

• Broker’s FAQs on Hard Money Loans? Q. How do brokers get paid? A. Our brokers get paid a percentage based on the total loan amount that gets funded on a loan they referred to us. To learn more about our Broker Referral program, please visit our Broker Partners Page.