It’s almost unheard of in today’s real estate market for a buyer to be able to borrow all of the money needed and also be able to wrap in all of the loan costs and fees without bringing any money to closing or having any “skin in the game”. 

99.9 out of 100 times the investor will need to bring some money to closing. 

Anticipate the need for some money at closing. Don't expect to be able to wrap all of the closing costs and fees into the loan. Even with a good LTV ratio, the lender is almost always going to ask for some money from the borrower at closing. If you are looking to do a deal without putting any money into it you are probably wasting your time and efforts, at least in working with a hard money lender.

Most lenders require the borrower to have some money into the loan. Whether it's paying for closing costs, loan fees, or making the up difference in the LTV, a borrower should always anticipate the need for some money at closing.

Do you have hard money loan questions or tips? 

Happy Investing! 

-JJ