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Find top hard money lenders in South Carolina
Barnett REI Finance
Barnett REI Finance
Specialties: Private Money, Hard Money, Portfolio Lending
Barnett REI Finance is a private money capital funder for the real estate investor. With substantial reserves of ready capital, we are a quick and certain partner in every transaction we participate in. Why investors choose us? We get deals done on your timeline with the ability to close in as few as 10 business days from complete submission. We offer a variety of loan programs including fix and flip, bridge loans, new-construction, and more. Why lending offices choose us? We offer quick closings, partnerships in lending opportunities, and no capital restraints! We’re the ideal partner for someone looking for additional funds for loan opportunities. Our residential lending business provides lines of credit to acquire, renovate, stabilize, and sell single-family, multi-family, and mixed-use investment properties, and can provide other financing solutions against such collateral. For properties in need of renovation we can fund up to 85% of the total project costs which purchase price or the as-is value and construction costs. Apply today https://www.barnettreifinance.com/apply/ or give us a call at (224)-205-7271 to see why Barnett REI Finance should be your partner for your next real estate investment deal. Whether you are an experienced investor or a first-time borrower we are fit for all your investing needs. Barnett REI Finance does not provide any mortgage loans in the state of Arizona, California, or Nevada, any residential mortgage loans on 1-4 unit dwellings in the State of Idaho, North Dakota, Oregon, South Dakota, Utah, or Vermont nor 5 plus unit multifamily and commercial mortgage loans in the State of Florida.
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Residential Capital Partners
Residential Capital Partners
We are a private lender to the fix-and-flip and single-family residential (SFR) investment community. We offer a 9-month fix-and-flip hard money product, a 12-month rental bridge product and a 30-year rental loan product. Our no-money down fix-and-flip funding for 1-4 family residential properties up to 70% of ARV is very attractive for our customers. We will loan 100% of purchase and repairs up to 70% of ARV. Our terms are 10% interest, 3 points on a 9 month loan and the points can be rolled into the loan and paid at maturity. That's it. Our rental bridge terms are 9% interest, 2 points on a 12-month loan and our long-term rental product features 5/1 ARM, 7/1 ARM, 10/1 ARM, 15-Year Amortizing and 30-Year Amortizing products at rates as low as 6.25%. At Residential Capital Partners, what you see is what you get. No bait and switch. Pay interest only on funds paid out. ResCap Partners is one of the top fix and flip lenders in the country. We are not just lenders. Our affiliate partners have flipped over 2,500 properties. We know your business from both sides of the closing table.
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Capital Funding Financial LLC
Capital Funding Financial LLC
Capital Funding Financial is a family operated licensed private lender specializing in asset based investment properties nationwide. We close loans in 3-7 DAYS due to our NO Credit or Income Verification and NO Appraisal Requirement (BPO Instead)! We self fund our loans as a DIRECT LENDER with in house underwriting and in house legal counsel. We are A+ Rated with the BBB (Better Business Bureau) with 50+ 5 Star Google Reviews from past clients! We have been featured in Forbes, The Miami Herald, and numerous other news outlets highlighting our past closed deals for our clients. Our Principals have over 30 Years in combined real estate experience with over 1 Billion in Closed Real Estate Transactions. Our rates start at 5.49% on our longer term programs... If you are seeking a private lender who is FAST, HONEST, and RELIABLE with an EXCELLENT REPUTATION for CLOSINGS DEALS ON TIME then you have come to the RIGHT PLACE! Check out our HARD MONEY LOAN, FIX & FLIP, 30 YR RENTAL, AND COMMERCIAL BRIDGE LOAN PROGRAMS TODAY! CALL 954-320-0242 TO SPEAK TO A LOAN OFFICER
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Revolver Finance
Revolver Finance
Revolver Finance is here to empower you in the acquisition of your next real estate endeavor. We use flexible, transparent processes to enable your success. Reason: Revolver Finance, established in 2016, was created to cut through the clutter and confusion of real estate investing. We set out to simplify the process for investors across the country, whether you are a seasoned pro or going after your first project. Revolver Finance was founded to help you purchase and rehab, investment properties with speed and ease. Revolver Finance was built around two principals: transparency and integrity. We started Revolver to work directly with investors. Our purpose is to assist in the navigation of investing and acquisition of property, and ensuring our client is well informed through every step of the process. In removing the barriers of entry we are allowing investors, regardless of experience, to be guided through this process clearly. We believe in providing the best service to our clients, working honestly and loyally to safeguard your investments. We are direct lenders, not brokers. We utilize our own capital to make loans tailored to best suit your needs. This means there is no middleman to be dealt with in the process of you reaching your long-term goals, saving both time and money. Our common-sense approach to underwriting makes our programs accessible no matter how experienced you are.
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Aloha Capital
2 reviews
2 reviews
Aloha Capital
Aloha Capital was created by real estate investors, for real estate investors. We offer fast, flexible and reliable financing at competitive rates to help you leverage your experience and take advantage of real estate investment opportunities. No matter if you are focused on Fix & Flips, Buy & Holds, BRRRR or Turnkey Investments, we understand your business and are here to help you succeed and grow! Lending in all states except for AK, ID, ME, MT, ND, SD. SHORT TERM BRIDGE LOANS: Single Family, 2-4 Unit, Condo Townhome - Max 75% ARV. Starting at 7.99% - Interest Only on Funded Loan Balance w/ a 13 Month Term. MFR & Mixed-Use Bridge/Rehab Loans: - Max 70% ARV. Starting at 7.99% - IO on Funded Loan Balance w/ a 13-24 Month Term. 30 YEAR FIXED RENTAL PROPERTY LOANS: Single Family, 2-4 Unit, Condo Townhome - Single Property or Portfolio Loan based on DSCR. Starting at 5.00%. - Max 80% LTV Purchase/Refi, 75% LTV Cash Out Refi. CALL: 303.245.0291 EMAIL: [email protected] LEARN MORE: https://alohaprivatelending.com APPLY FOR LOAN: https://alohaprivatelending.com/Apply
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Riverview Commercial Mortgage Group
Riverview Commercial Mortgage Group
We have well over 40 years of combined experience in all aspects of the mortgage industry. We are BIG on customer service and support. We love to work with and teach new investors that are just getting into the game and trying to build a track record. We can fund up to 5 deals at a time and can close in 10 days. We cover the loan program spectrum from short term, interest only to long term 30 year amortization loan products. We can refinance you out of a hard money deal once your project complete. We will help you structure the deal so you can close fast. We are patient with new investors and work well with experience investors. Our objective is to get you the money you need to get your project off the ground and profit in the bank.
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We Lend LLC
We Lend LLC
We Lend is a hard money lender focused on servicing real estate investors by providing quick and low-cost capital on their investment properties. We Lend’s approach to lending is centered around the investor, therefore allowing the investor to focus more on their investment and less on the loan process. We Lend was founded by a group of real estate investors, whose emphasis was on acquiring and improving distressed properties. So whether or not you are an experienced real estate investor – We Lend’s team has the qualifications to exceed expectations and can assist in the expansion of your real estate portfolio.
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Stratton Equities
Star Star Star Star Star 5.0
6 reviews
Star Star Star Star Star 5.0
6 reviews
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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Temple View Capital
Temple View Capital
Temple View Capital Funding, LP is a nationwide, direct private lender for non-owner occupied residential real estate investments. We are a fully funded lending partner that promises our customers, brokers, partners, and investors the quickest path to wealth by providing a flexible process, an experienced team of real estate investors and our exclusive Advance Draw feature. Our Advance Draw feature gives you immediate access to your money at closing so you can put it right to work on your project. As a direct, private lender, we are able to underwrite our own loans, with all approvals made in-house. Whether you’re an experienced investor, first-time borrower, or in search of the best fit for your client, we have loan products to meet all your real estate investing needs. We are here for all your non-traditional financing needs and we provide a variety of cost-savings loan programs including fix & flip, rental finance, and refinance. TVC empowers real estate investors and brokers nationwide to invest in a variety of real estate investment projects. LOAN PROGRAMS: • Acquisition-Only • Purchase + Rehab • Refinance - Rate & Term • Refinance - Cash Out • Refinance + Rehab • Rental Finance Program Features: • No Asset Verification • 90% Max LTV Purchase Financing • 100% Rehab Budget Financed • 70% Cash Out LTV, No Seasoning • Residential, Non-Owner Occupied • Construction Funds Paid at Closing • Advanced Rehab Draws For legal disclosures visit: https://www.templeviewcap.com/legal-disclosure/
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Atlanta Private Lending
Atlanta Private Lending
Atlanta Private Lending LLC ("APL") is one of Atlanta's leading private real estate companies, providing private, hard money loans to professional real estate investors. APL focuses on funding non-owner occupied property for fix and flip, new construction, rental properties and commercial properties for investment purposes. Our primary focus is the state of Georgia but we are open to lending in the southeast.
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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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