Recommendations for hard money lenders?

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Recommendations for hard money lenders?

Mark Jay
Member since 2025 · 31 posts · 10 votes

We are trying to close a deal on a great house at an amazing price. It would be a fix n flip. Would love to hear any hard money lenders you all recommend, as we don’t have enough cash currently to do it all cash. 

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Mike GrudzienPro Member
Lender · Eugene, OR · Member since 2019 · 2k+ posts · 1k+ votes
7mo

Have you tried networking locally?

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  • Michael Wyatt
    Lender · Boston, MA · Member since 2021 · 125 posts · 64 votes
    7mo

    Hey Mark, I'd love to get you a quote.  Feel free to message me to connect.  

    0Reply
  • Jonathan LeeBusiness Member
    Lender · FL · Member since 2025 · 86 posts · 30 votes
    7mo

    Hi Mark,

    I work with several solid hard money lenders that specialize in fix-and-flip deals and can typically move quickly, depending on the numbers and scope of work.

    Happy to help you compare options so you're getting competitive terms. Feel free to message me with the purchase price, estimated rehab, and ARV, and I can point you in the right direction.

    Helm Mortgage Corp.5126 Reviews
    View Page
    0Reply
  • Bruce Lynn
    Real Estate Broker · Coppell, TX · Member since 2011 · 5k+ posts · 4k+ votes
    7mo

    Taylor @ Emerald Dolphin

    Darel Daik @ Noble Mortgage

    Jared @ Longhorn Investments

    All are long term reputable hard money lenders based in Texas.  I think most of them will be also great at keeping you out of bad deals as best they can vs just selling you a loan product.

    Best wishes and good luck.

    0Reply
    • Mark Jay
      OP
      Member since 2025 · 31 posts · 10 votes
      7mo
      Thanks so much! This is very helpful, especially since it will be our first fix and flip.

      Quote from @Bruce Lynn:

      Taylor @ Emerald Dolphin

      Darel Daik @ Noble Mortgage

      Jared @ Longhorn Investments

      All are long term reputable hard money lenders based in Texas.  I think most of them will be also great at keeping you out of bad deals as best they can vs just selling you a loan product.

      Best wishes and good luck.


      1Reply
  • Devin PetersonBusiness Member
    Lender · Sarasota, FL · Member since 2022 · 2k+ posts · 665 votes
    7mo
    Quote from @Mark Jay:

    We are trying to close a deal on a great house at an amazing price. It would be a fix n flip. Would love to hear any hard money lenders you all recommend, as we don’t have enough cash currently to do it all cash. 

    Tons of HML options out there for you - I’d take a look at the find a lender tab at the top of the page or work with a broker who can shop the best terms for you 
    [email protected]860-538-3672
    ProAlpha Capital56 Reviews
    WebsiteView Page
    0Reply
  • Mike GrudzienPro Member
    Lender · Eugene, OR · Member since 2019 · 2k+ posts · 1k+ votes
    7mo

    Have you tried networking locally?

    1Reply
  • Account Closed
    Rental Property Investor · ID · Member since 2026 · 1 post · 0 votes
    7mo
    Quote from @Mark Jay:

    We are trying to close a deal on a great house at an amazing price. It would be a fix n flip. Would love to hear any hard money lenders you all recommend, as we don’t have enough cash currently to do it all cash. 

     Hi Mark!

    I own Granite Commercial Capital, a Nationwide Investment Mortgage Brokerage providing Investment funding in 48 states. I am also an experienced Investor and Flipper myself. Let's talk about your goals with this house, and any other investment properties you are interested in.

    Monty Yeager

    0Reply
  • Kevin Lewis
    Lender · New York, NY · Member since 2025 · 8 posts · 4 votes
    7mo

    Before you start collecting lender names, it might be worth defining what you actually need the capital structure to do for you. Fix and flip financing is pretty straightforward on the surface, but the terms that matter most depend on your exit timeline and whether you're planning to hold or sell. If there's any chance you'd want to refi into a rental hold after the rehab, that changes the lender conversation significantly — because not every hard money lender has a clean path to a longer-term product on the back end. Worth thinking about the full lifecycle of the deal before locking in on the front-end financing.

    0Reply
  • Matthew BernalBusiness Member
    Investor · Austin, TX · Member since 2021 · 497 posts · 126 votes
    7mo

    Hi Mark, I may be able to help. I work with investors on fix & flip funding and can move quickly when the deal is solid. Feel free to connect!

    [email protected]832-981-3190
    0Reply
  • Stacy RaskinBusiness Member
    Lender · Member since 2022 · 1k+ posts · 503 votes
    7mo

    There are hard money lenders that will lend up to 90% of the purchase price and 100% of the rehab done on draws. The details will depend on the borrower profile and the property location. Happy to connect to discuss further. 

    [email protected]818-770-0340
    Bright Skyline518 Reviews
    WebsiteView Page
    0Reply
  • Nicholas L.Pro Member
    Flipper/Rehabber · Pittsburgh · Member since 2018 · 6k+ posts · 5k+ votes
    7mo

    @Mark Jay

    what @Mike Grudzien said.  meet a couple local ones in person.

    1Reply
  • Jordan MoorheadBusiness Member
    Real Estate Agent · Austin, TX · Member since 2015 · 5k+ posts · 3k+ votes
    7mo

    I have some great MHL connections here in Texas if you ever need them!

    [email protected]512-888-9122
    The Moorhead Team5140 Reviews
    WebsiteView Page
    0Reply
  • Mark Jay
    OP
    Member since 2025 · 31 posts · 10 votes
    7mo

    Thank you all for these wonderful recommendations and thoughts! We are truly grateful for all your help. I feel like we have quite a good list to work with now. 

    3Reply
  • Mark Jay
    OP
    Member since 2025 · 31 posts · 10 votes
    6mo

    Hi everyone! Thanks again for all the help and info! Some of the recommended lenders would not work with us due to the property being in a “rural” area (Lufkin, TX), but we found one who was willing to do so, and so far it has been an excellent experience working with them. We are set to close April 13. Excited and a little scared! :)

    1Reply
    • Erik EstradaBusiness Member
      Lender · Member since 2022 · 6k+ posts · 1k+ votes
      6mo
      Quote from @Mark Jay:

      Hi everyone! Thanks again for all the help and info! Some of the recommended lenders would not work with us due to the property being in a “rural” area (Lufkin, TX), but we found one who was willing to do so, and so far it has been an excellent experience working with them. We are set to close April 13. Excited and a little scared! :)


       Hey Mark! 

      Glad to hear you found someone that can do a rural property! Do you mind sharing the lender contact? This is a very niche loan and I am sure many on here will benefit 

      [email protected]818-269-7983
      LuxePrivate Investments LLC 572 Reviews
      WebsiteView Page
      1Reply
  • Matthew BernalBusiness Member
    Investor · Austin, TX · Member since 2021 · 497 posts · 126 votes
    5mo

    Sounds like you’re right in the sweet spot for a hard money deal, especially if it’s a strong purchase with good upside.

    Most fix & flip lenders will focus on the numbers (purchase + rehab vs ARV) more than your cash position, so even if you're short on funds, there are usually ways to structure it.

    I work with a number of lenders that handle these types of deals and can often cover a large portion of both the purchase and rehab depending on the deal.

    Roughly what price range and rehab budget are you looking at for this one?

    [email protected]832-981-3190
    0Reply
  • Vijay FriedmanBusiness Member
    Miami, FL · Member since 2026 · 766 posts · 122 votes
    4mo
    Quote from @Mark Jay:

    We are trying to close a deal on a great house at an amazing price. It would be a fix n flip. Would love to hear any hard money lenders you all recommend, as we don’t have enough cash currently to do it all cash. 

    @Mark Jay
    If the numbers and rehab scope make sense, there are definitely hard money/RTL lenders that can help fund both the purchase and rehab portion so you don't have to bring all cash. A lot will depend on ARV, experience, liquidity, and timeline, but Tyler has been an active investor market.

    786-656-0387
    DreamPoint Capital
    WebsiteView Page
    0Reply
  • Bruce Lynn
    Real Estate Broker · Coppell, TX · Member since 2011 · 5k+ posts · 4k+ votes
    4mo

    Who did you end up using?  Were you satisfied with their service?  How is the project going?

    0Reply
    • Mark Jay
      OP
      Member since 2025 · 31 posts · 10 votes
      4mo
      Quote from @Bruce Lynn:

      Who did you end up using?  Were you satisfied with their service?  How is the project going?

      Thanks for checking in on us! A lot of lenders wouldn’t loan on a house in Lufkin TX, as it’s considered a rural area. But we found Insula Capital, and they have been great to work with! Due to some technical detail issues, we didn’t end up closing until May 5. But is say we are making great progress so far! We got all the junk cleared out, raised the 70s style LR sunken floor, both tub surrounds tiled, granite countertops in bathrooms and kitchen, cabinets painted, and drywall work being done now. All the old trim and baseboards have been removed along with fixtures etc. we feel like we are getting closer to the finish line!! Once drywall is done hopefully this week, on to doors, wall and ceiling paint, flooring, and then trim and then all the new fixtures. I think we are going to end up going over budget, but it looks like we will still make money which is great for our first flip. Thanks for all the input and help!
      0Reply
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