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Rain City Capital of Oregon
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Rain City Capital of Oregon
Rain City Capital of Oregon, LLC offers financing services to real estate investors and professionals in the great state of Oregon. We specialize in providing short-term loans for residential property purchases that require fast action and secured funding to close. Our experienced team puts their years of expertise to work for borrowers by assisting with specialized acquisition types such as auctions, bank-owned, wholesale, and even traditional channels. We don't just want business - we want business partners. We look at every transaction with the whole deal in mind, and not just a credit score. NMLS #1366479
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Cetan Funds, LLC
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Cetan Funds, LLC
Cetan Funds is a private money lender for developers, builders, and investors. We are based in Eugene, Oregon but offer services throughout the state of Oregon. Our team has over 40 years of local lending experience as well as over 20 years in local real estate development, giving us a unique perspective on the needs of professional borrowers in the county and state. We operate with a culture of integrity, transparency, and fairness. Cetan Funds provides many advantages as your private money lender: SPEED - streamlined process can fund deals in 5-7 days FLEXIBLE - we evaluate each project by looking at the whole story and customize the loan package with the right fit COMMUNICATION - work directly with Cetan Funds principals, avoid the layers of bureaucracy SMART LOANS - customized loan packages based on project viability that leverage our strong local market knowledge and extensive experience as lenders and developers VESTED IN YOUR SUCCESS - we want an ongoing relationship, not just a one-way business transaction. We provide ongoing advice and counsel to help you succeed. Cetan Funds offers loans for nearly any business and investment goal, including: Residential Construction Commercial Construction Residential Term Commercial Term Fix & Flip Rehab Loans Acquisition & Development Bare Land and Lot Loans Lines of Credit We can offer a loan product for nearly any situation. For more information, please contact us.
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Acclaim Funding, LLC
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Acclaim Funding, LLC
We specialize in all kind of commercial loans to owners, investors, and developers in need of funding outside the scope of traditional banks and lenders. We offer loans for almost every scenario including residential fix and flip, new construction, transactional funding, wholesale and commercial "value add lending".
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Nicobella Capital
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Nicobella Capital
My goal is most definitely to finance your next flip, your next flip and hold, your next rental portfolio refinance with a fixed thirty year term and or any other commercial real estate transaction. However my primary goal is to create a long standing relationship by providing full service, value and transparency to the deals I help you implement. This is accomplished by being on call, making sure all aspects of the deal on both sides are being completed in a timely manner and looking out for your best interest. Always ready when you are!  
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Flip Funding
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Flip Funding
We provide private money loans to real estate investors nationwide. As a full-service private money lender, we do most of the legwork for you, while you build up your real estate portfolio and cash flow all your deals! Whether it’s for wholesale, rehab, or buy and hold investment deals, Flip Funding LLC delivers fast and easy access to private money. We offer a full private money platform where we help you through the entire deal from application to closing… meaning you don’t have to make any awkward phone calls to strangers for funds or worry about pulling huds, title or insurance. At Flip Funding, we don’t waste your energy or time. We quickly analyze your deal to make sure it fits within our parameters and get you in, or on your way. Think of it in these terms: We don’t want you to do anything that would jeopardize your success…Therefore the numbers and exit strategies must make sense in order for us to provide financing. That being said, we’re an equity based lender which means we care more about the profitability of the deal than your merits for the loan. Meaning we don’t focus on bad credit, recent foreclosures or bankruptcy. FixNFlip - 100% Rehab Funding - Up to 90% LTV - 7 Day Funding (5 Days Subsequent) - Rates start at 8% - 13 Month Terms - $50,000 Loan Minimum Rentals -Up to 80% LTV -Rates as low as 5% -Up to 30 yr term -$75,000 Loan Minimum New Construction -100% Financing (If land owned free and clear) -Rates as low 8% -13 Month Term -$75,000 Loan Minimum We Don’t Cherry Pick Deals. If Your Deal Fits, We Fund It!
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11CAPITALFINANCE
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11CAPITALFINANCE
Unlike a bank, at 11 Capital Finance we are not tied down to a single lender. With over 100 lenders and 10,000+ loan variations we have the expert skills and financing resources to get your deal closed. 1-4 Unit Investment Property Apt Building / Multifamily Dwelling Assisted Living Facility Auto Dealership/Used Car Lot Auto Repair Bed & Breakfast Inn Bowling Alley Commercial or Retail Building Gas Station ​ ​ ​ ​ Restaurant Self-storage Shopping / Strip Center Special Use Property Single Purpose Triple Net Property (nnn) and More Hotel & Motel Industrial Building Marina Mixed Use Property Mobile Home Park Movie Theater Office Building Office Condo' Rental Home Portfolio And also we do SBA Business loans
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Stratton Equities
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Stratton Equities
*** Lending in all 50 states. Up to 90% LTV *** STRATTON EQUITIES IS THE LEADING HARD MONEY & NON-QM LENDER TO NATIONAL REAL ESTATE INVESTORS. Stratton Equities is the leading Nationwide Hard Money Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate investors providing a reliable and knowledgeable team to help all Real Estate investors succeed.   Our goal is to help small business owners, real estate investors, and commercial contractors quickly and efficiently finance their business activities. Our national hard money loan programs are tailored to your unique project needs. We fund fix and flip, new construction, and cash out refinance projects for non-owner occupied properties. We look forward to becoming your lending partner for your next investment. Our loan programs support the following investment projects: ​ - Fix and Flip - Stated Income Cash Out – Refinance - Commercial Loans - Blanket Loans - Fixed Rental Programs - New Construction Contact Us Today or Apply on our Website www.strattonequities.com [email protected] (Toll Free) 1-800-962-6613
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Slingshot Investments
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Slingshot Investments
Private money lending for developers and investors. Offering: *Fix and Flip*, *Bridge* and *30 Year Investment Property Loans*. Slingshot Investments is able to lend in most states in the U.S. with the exception of Alaska, Nevada, North Dakota, South Dakota, Minnesota and Vermont. Slingshot Investments is a nationwide private money lender focused on non-owner occupied housing-based redevelopment and rehabilitation projects. With over 40 years of real estate lending and investment experience, Slingshot Investments is a knowledgeable partner focused on responsiveness, consistency and dependability. The goal of Slingshot Investments is to partner with both borrowers, sponsors and investors to deliver successful financial solutions in an ever changing market. CA DRE Broker License #02002790.
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Rapid Funding Solutions
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Rapid Funding Solutions
Specialties: Hard Money, Commercial Mortgages, Residential Mortgages
Rapid is an operational consulting firm specializing is customized funding solutions for small and medium-sized business. From cash flow, equipment, and vehicle needs, to inventory financing, real estate and special projects, Rapid has you covered.
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Nworie Capital
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Nworie Capital
Nworie Capital provides financial solutions throughout the United States. With an extensive network of private investors, credit unions, hedge funds, and capital market institutions, Nworie Capital provides liquidity, complex financial consultations, and private equity brokerage services.
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What Is A Hard Money Lender?

A hard money loan is an asset-based loan. One of the biggest factors affecting the approval of a traditional loan is your credit history and income. Lenders want a candidate that possesses a reputable re-payment history because this demonstrates the consumer’s ability to repay loans.

However, a great credit score and a lot of income is not always guaranteed an approval and the overall process can sometimes take a long time. Hard money lenders utilize a different approach by lending funds based on collateral and therefore, the lender places less emphasis on credit history. Hard money loans are not for everyone, but there are several situations where these loans make sense.

Strategies Using Hard Money

There are different instances when a real estate investor will be more likely to use a hard money loan versus a traditional loan. Real estate investors might find themselves using a hard money loan in the following instances.

Fix & Flip
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One of the most important things to understand when considering hard money is that each lender considers things differently than the next lender. Each lender is going to have his/her own criteria but most of them will base their loan off of a percentage of the after repair value or AVR. The following could also be considered when looking at a hard money loan:

  • Independent appraisers AVR
  • In-house AVR
  • Percentage of total costs
  • Percentage of the purchase price of the property
All lenders are different so be prepared for the hard money lender to consider any combination of the above before settling on the loan.
BRRRR
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If you are a real estate investor looking to execute the BRRRR strategy then the first thing you are going to want to do is secure a lender. One of the biggest mistakes that real estate investors make in the BRRRR strategy is only looking for a lender right when they need one. The best thing that you can do for yourself is to begin searching for, vetting and building a relationship with a lender as early in the process as possible. Meeting with lenders earlier will highlight any issues you might have with credit or income that you might need to get fixed before you really need the money for repairs. Getting this handled early will save you a big headache in the future.
Short Term Financing
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A short term loan is the traditional loan when a real estate investor is fix and flipping a property. With this type of loan you will typically only have 2-3 months to rehab and then resell your property for a profit. Short term financing is a good idea for properties that have a lower volume of fixes and repairs before putting the property back up for sale. Due to the short time period before the loan expires, you don’t want to get caught up with too many long term projects and have time run out. This would be homes that only need cosmetic repairs, upgraded appliances or minor repair work.

Questions To Ask A Hard Money Lender

Based on the best practice of reaching out to multiple lenders, you will want to make sure you have a proper list of questions available to you to vet out which lender is best for you. Here are some questions that you should ask a potential lender:

  • Are you the actual lender or just a broker?
  • Do you check personal credit? What score are you looking for?
  • What project details and documents do you need to make a quote?
  • How long will it take to get a quote?
  • Where does your money come from? Is this money in your control or do you receive it from a third party?
  • What happens if my loan needs to be extended?
  • How do you handle interest? Is it upfront, monthly or at the end?
What is Hard Money and How Does it Work? 10 Questions on Hard Money Loans Hard Money Buying Worksheet Hard Money Upfront Fees: Should You Pay Them? Understanding the Benefits and Risks of Hard Money Interview with Hard Money Lender, Kevin Amolsch Using Hard Money Lenders to Grow Your Business: Podcast with Ann Bellamy

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