100% Financing

Looking for 100% Financing Hard Money Loans?

Sometimes, real estate investors find it difficult or even impossible to find private lending companies that offer the loan options they need. Some investors have poor credit scores or credit history, while others may have a less than stellar payment history on an existing mortgage.

No matter your reasons for struggling with obtaining financing, we are here to help you learn about an alternative. With hard money lenders’ 100% financing, you can receive the funds you need without the hassles.

Allow us to help you better understand this option and how it works.

Understanding 100% Hard Money Financing 

Many hard money lenders are private lenders or private lending companies that specialize in this loan type (100% financing hard money loans). One of the best attributes of private lenders is their focus on fix and flip loans. 100 LTV hard money lenders like us focus on the property’s repair value instead of the borrower’s creditworthiness when deciding to lend money. This type of loan offers a win-win for both the borrower and the private lender.

A hard money loan is a short-term option that is secured by real estate. Before seeking this loan, you should consider all your options and determine which one will offer the fairest loan term.

Does a Hard Money Loan Require a Down Payment?

Most investors search for deals that do not require money down. This is definitely an option with many private lenders, depending on the details of the deal.

Aside from not needing a down payment, you may not even have to make a single monthly payment with 100% financing options. If you can rehab and sell the investment property fast enough, you can pay off the balance before any payments are due.

A private money lender may offer 100% financing, but most offer 90% of the purchase price and up to 100% of the rehab costs. The percentage depends on the deal and can vary among private lenders based on the real estate investment purchase.

Does Credit Score Matter to 100 Percent Hard Money Lenders?

If you’ve ever sought traditional bank lending, you know your credit score is one of the big determining factors for approval. With hard money funding, your credit score may not be as big a deal as you think.

As mentioned above, the primary focus of private lenders is on the property. They want to know the property has a high ARLTV (after repair loan-to-value).

Because the lender is focused on the investment property and not so much on you, this leads to loans with greater flexibility.

Although most lenders are less focused on your credit score, some run a credit check and may have a minimum credit score requirement. Before applying, make sure you understand the lender’s policy fully.

What Are the Benefits of Hard Money Lending? 

When considering your loan options for your next real estate project, we think you should be informed. The following offers insight into 100% hard money loans. Having all the information will help you make an informed decision.

Close Deals Faster, Regardless of Purchase Price

If you’ve ever tried to apply at a traditional bank, you know the turnaround time is lengthy. On average, a bank will take around 30 days to give you the money, and that’s if you get approved based on the loan to purchase price value.

Hard money financing loans can close in ten days with private lending companies. With faster funding from a reliable lender like us, you can snatch up those deals and won’t have to worry about missing out because a competitor bought the investment property first.

As you know, in real estate, time is of the essence. You don’t have time to wait around for the bank to decide if you are worthy.

Experience More Convenience 

Let’s face it; banks make borrowers jump through a lot of hoops. With all the mandatory requirements, you can find yourself feeling overwhelmed.

Although a hard money loan charges slightly higher interest rates than a traditional bank, you won’t have to worry about mountains of paperwork and giving a full financial history. This type of lender financing offers funds without the headaches.

Seek More Deals 

Taking care of your own funding means you are limited in the number of projects you can have going at one time. Not all private lenders offer hard money loans 100 ltv, but those that do will allow you to take on multiple projects.

Although you have the option, we do not recommend you take on too many projects without experience. With 100% financing loan programs, you can begin your next deal as soon as you are ready instead of waiting around.

Experience Less Risk 

There is less risk for you with 100% financing loans because the investor takes the brunt of the risk. Because of the extensive checks, the investor helps ensure the deal offers a solid ARLTV. While no 100% financing option is risk-free, you can rest assured that your risks will be minimal.

Increased Chances of Approval 

Seeking funding from a traditional bank is an eye-opening experience. It is also humbling and often embarrassing. Waiting up to 30 days only to get denied financing causes a great deal of stress for borrowers.

Most 100 percent financing hard money lenders give you a quick pre-approval. If you get pre-approved, the chances of a final approval are high.

No investor should make you jump through hoop after hoop like a traditional lender only to humiliate you with a denial. Get the money you need when you need it most.


property rehab in Charlotte NC
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47 Days 
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69 Days
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Akron, OH
39 Days

How Can You Qualify for This Financing?

When seeking 100% financing from a hard money lender, you need to know how to qualify first. Thankfully, the process is not overly difficult. You can even get pre-approved right now.

It is important to note that qualifications vary according to the lender. While most lenders follow the same basic protocols, there are some variances. Some private money lenders are stricter than others on their requirements.

A hard money lender offering hard money financing typically does not care about your credit score, your experience as a real estate investor, or that you have a minimum down payment. Lenders are focused on one thing: the profitability of the deal.

To qualify for 100% financing, you must present the best deal possible. Only around 37% of borrowers qualify for this type of loan, but there are options if you don’t, so do not stress.

Just because your deal does not get 100% loan approval does not mean it is a bad deal. In fact, it could still be a deal you need to snatch up right away. If you can’t get approval, you should first try to negotiate the purchase price based on market value. In some cases, a seller carry back may even be acceptable.

If you can get the seller to come down on the purchase price, you won’t have to worry about a lack of funds. If the seller doesn’t budge, you have other options, including the following.

  • Home equity line of credit
  • 0% interest credit card advance
  • Retirement accounts

Although your goal is to get 100% financing, do not overlook other options along the way. Sometimes, real estate investors get so caught up in what they want that they forget other options may be beneficial for garnering financing.

What if the Lender Requires a Minimum Down Payment?

You need to understand many lenders will not consider a 100% hard money loan because of the risks and loan costs. Traditional lenders are almost always going to require a down payment.

Most hard money lenders (100% financing) are less likely to require a down payment, but some do.

So, what can you do if your lender requires a down payment? How can you come up with the funds fast?

We want to help you be prepared by offering the following tips to help you put up the down payment.

Business Credit Card 

As a business owner, you should have a business credit card at your disposal. You may be able to get a cash advance on your card or use it to fund rehabbing a property.

Keep in mind, that just like a lender, there are fees involved. Learn as much as possible about the fees you can expect to determine if using a credit card is wise.

Personal Loans 

If you have good credit and a job, getting a personal loan with a maximum LTV may be the perfect way to come up with a down payment. As a bonus, the interest rates on personal loans are typically much lower than those associated with credit cards.

If you decide to take this route, you need to realize you will be paying on your personal and hard money loans simultaneously. If you aren’t prepared for your bank account to take such a hit, you may need to consider other financing options.

Family and Friends

While most people do not like to ask family and friends for a loan, it is sometimes a promising method of gaining the funds you need. As a plus, friends, and family are likely to be much more lenient on their loan terms.

You should never borrow money from family or friends without having some sort of contract in place. Money issues can ruin the best of friendships and even make families stop speaking to one another.


There is also the option of a home equity line of credit (HELOC) based on your residential home. Because your home is used as collateral, the terms are generally less strict than some other loan types. Interest rates are also lower, making this a good deal.

The biggest drawback of a HELOC is if you miss monthly payments, the lender can foreclose on your home. You must be certain of your ability to make payments so you do not face losing your home and ruining a good credit score.

Business Loan 

You also can pursue a business loan to pay the down payment. If you’ve become a full-time real estate investor, this option may make the most sense for your business.

You simply apply for the bare minimum of the purchase price. If you operate your own company, you may qualify for this type of alternative funding option with lower interest rates.



property rehab in Pittsburgh
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43 Days
residential home with 2nd mortgage
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49 Days
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64 Days

Is a Hard Money Loan Right for You? 

Outside of pursuing a 100% loan, you need to know if a hard money loan is right for your situation. Before you apply, consider the following to ensure this type of loan is right for you.

  • Is the loan needed for a fix and flip? Because this is a short-term loan, it is ideal for those who purchase a home, rehab it, and sell it for a profit quickly.
  • Have you done this before? While you certainly do not need the experience to get loan approval, having some ensures a higher level of success in your endeavors.
  • Do you have cash? If you can’t get 100% financing, you will have to use some of your own money to cover repair costs and fix and flip costs. You may need to get a second loan if you need more money to cover the loan to purchase price value.

How to Get Started

The application and approval process for a purchase transaction should be fairly easy. The company should work with you to ensure you know the steps involved and what you can expect to happen once you apply.

After you apply and bring your deal to the investor’s attention, they will immediately go to work on researching it and learning as much as possible about the property and your personal financial situation.

After the full assessment process, they will know if the property checks out and is a deal they want to partner on. The investor should move ahead rapidly and work diligently to ensure you do not lose the deal because you are waiting on financing.

By the end of the process, you’ll be aware of the maximum loan amount, minimum loan amount, closing costs, rehab budget, prepayment penalties, long-term financing options, and loan term requirements that may not be disclosed by other lenders and traditional banks.

Get Started Today for Pre-Approval

Are you ready to learn if your deal qualifies for 100% financing? As we mentioned, not every fix and flip deal does.

We are here to answer your questions and share information with you to help you get pre-approved for 100% financing. Get started today. Please contact us if we can help.