Hard money loans for real estate investors
A hard money loan is short-term real estate financing secured by the property itself rather than by a borrower's income profile. KAL Kreations arranges hard money loans from $25,000 to $100,000,000 in all 50 states through its private lender network, for investment property only. Send a scenario for a quick response.
All loans are for real estate investment purposes only. We do not offer personal loans.
Who this is for
- Investors under a closing clock who cannot wait for a bank credit committee
- Borrowers with a strong asset and a complicated income or credit file
- Buyers of property a conventional lender will not underwrite in its current condition
- Sponsors who need certainty of execution more than the lowest possible rate
What is needed to get a quote
- Property address
- Purchase price, current value, or both
- Loan amount requested and how it will be used
- Timeline, including any contract or auction date
The process
- Submit the scenario with the property and the exit.
- KAL Kreations matches it to lenders active in that market and asset type.
- The funding lender sets terms and issues its approval.
- Documents are drawn, conditions cleared, and the loan funds.
Hard money loans: questions
What is a hard money loan?
A hard money loan is a real estate loan underwritten primarily against the value of the property rather than the borrower's income and credit. It is funded by private capital, is usually short term, and is used when speed or property condition rules out conventional financing.
How fast can a hard money loan fund?
Speed depends on the lender, the property and how complete the file is. Call with the property details to discuss timing for your scenario.
How much can KAL Kreations fund?
KAL Kreations arranges funding from $25,000 to $100,000,000. The amount available on any one deal depends on the property, the market and the lender's terms.
Can I use a hard money loan for a home I will live in?
No. All loans arranged by KAL Kreations are for real estate investment purposes only. We do not offer personal loans or owner-occupied consumer mortgages.
What does a hard money loan cost?
Cost varies with the borrower's creditworthiness and the lender used.
Is KAL Kreations the lender?
No. We arrange funding through that network rather than lending our own capital.
Request hard money loans
Prefer to talk? Call 415-892-0470 (landline).
All loans are for real estate investment purposes only. We do not offer personal loans.