Hard money loan broker

Hard Money Loans for Fix-and-Flip, Bridge and BRRRR Investors

Quick answer: A hard money loan is short-term, business-purpose financing for buying and renovating non-owner-occupied investment property. Lenders review the property, renovation plan, exit, borrower credit and reserves. Hard Money Loan, a Loan Daddy LLC brand, arranges these loans from wholesale lenders, including private and hard money lenders, for fix-and-flip, bridge, BRRRR and ground-up construction projects, and plans the DSCR refinance that follows.

Reviewed by Loan Daddy LLC editorial team · Updated October 21, 2026

NMLS #2827624AZ CMB Licensed · #CMB-2016143Broker, not lender

Get your hard money options

Business-purpose, non-owner-occupied investment property only.

First nameLast nameEmailPhoneProperty stateLoan purposeOccupancy

Will you or any family member live in any unit?NoYes

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Loan Daddy LLC is a mortgage broker, not a lender. NMLS #2827624.

How does short-term financing support a planned exit?

Hard money is the financing stage before the long-term loan. You use it to buy a property that needs work or to bridge a gap, then you exit by selling or by refinancing into a long-term loan. Because the exit is the whole point, this site covers both ends: fix-and-flip loans, bridge loans, BRRRR financing and ground-up construction on the front end, and DSCR loans on the takeout.

Apply on this site → · Hard Money Loan is a Loan Daddy LLC brand. Broker, not a lender. Business-purpose, non-owner-occupied investment property only.

Why do investors use a broker for hard money?

Deal-focused underwriting

Hard money lenders review the property, the scope of work and the exit alongside borrower credit, reserves and experience. Requirements depend on the program.

Shopped across private and hard money lenders

We are a broker, not a lender. We compare how several wholesale lenders, including private and hard money lenders, treat your deal.

Built for fix-and-flip, bridge and BRRRR

Acquisition, renovation draws, bridge financing and the DSCR takeout are the same conversation, planned from day one.

Business-purpose only

Every loan we arrange is for non-owner-occupied investment property. No one in your family lives there, and the exit is part of the plan.

How does the hard money process work?

Run the numbers
Line up the purchase price, renovation budget and projected after-repair value, then model holding costs in the fix-and-flip calculator.
Send the scenario
Tell us the property, the scope of work or plan, the value and the loan amount on the application.
Compare programs
A Loan Daddy loan specialist reviews wholesale hard money and private money programs that fit the deal.
Close with the lender you choose
We coordinate the valuation, title, insurance and draw paperwork through closing and the exit.

Example with your own inputs (illustrative, not a quote)

Purchase price: $180,000
Renovation budget: $45,000
Projected after-repair value: $285,000
Deal is sized against these three numbers: ARV

Illustrative only. The loan structure depends on the lender, the property and the scope of work. We do not publish pricing or make leverage promises.

Which hard money and DSCR programs fit your project?

Start with how hard money works, then pick the program that matches your deal.

Acquisition and rehab

Fix-and-flip loans

Buy and renovate with a draw schedule, sized against the after-repair value.

Short-term gap

Bridge loans

Finance the gap between buying a property and its longer-term financing or sale.

Portfolio building

BRRRR financing

Buy, rehab, rent and refinance into a DSCR loan, then repeat the cycle.

New builds

Ground-up construction

Construction draw financing for new single-family and small multifamily projects.

The takeout

Hard money to DSCR refinance

Replace short-term hard money with long-term DSCR financing once the property is leased.

Long-term hold

DSCR loans

Rent-qualified long-term financing for non-owner-occupied rentals.

Which markets do hard money investors target?

Hard money is local: the comparable sales, labor and demand change city by city. Pick the metro closest to your property.

Phoenix, AZDeep single-family stock across a wide range of price points Atlanta, GANeighborhood-by-neighborhood flips across a sprawling metro Tampa, FLBungalow flips plus coastal insurance and flood considerations Dallas-Fort Worth, TXA deep single-family market with wide price bands and many submarkets Columbus, OHAffordable entry prices and steady, diversified demand Las Vegas, NVSingle-family flips with an active rental market

How do hard money and DSCR loans fit together?

Stage	Hard money / bridge	DSCR loan
When it's used	Acquisition and renovation	After the property is renovated, rent-ready and leased
What the lender looks at	Purchase price, rehab budget, projected after-repair value	Rent compared with the full monthly payment
Term	Short, ending in a payoff	Long term (many programs offer 30-year terms)
Rehab funds	Often available through draws	Generally not included
Exit	Refinance or sale	Long-term hold, later refinance or sale

Plan the takeout from the first day. Read the full DSCR vs. hard money comparison and the hard money to DSCR refinance page.

What do investors ask about hard money?

What is a hard money loan?

A hard money loan is short-term, business-purpose financing secured by real estate, usually arranged for buying and renovating an investment property. Qualification focuses on the property and the deal rather than on your personal tax returns. See how hard money works.

What can I use hard money for?

The most common uses are fix-and-flip purchases, bridge financing while you sell or refinance, BRRRR acquisitions and ground-up construction. The property must be non-owner-occupied investment property. See fix-and-flip loans, bridge loans, BRRRR financing and ground-up construction.

Can I get a hard money loan in an LLC?

Usually, yes. Many programs lend to LLCs with personal guarantees from the members and entity documents in good standing. See the LLC hard money guide.

How does a hard money lender decide the loan amount?

For a fix-and-flip, the lender looks at the purchase price, the renovation budget and the projected after-repair value (ARV). For a bridge or refinance, it looks at the property value and the exit plan. The loan amount and structure depend on the specific deal. See the after-repair value guide.

Can I refinance a hard money loan into a DSCR loan?

Yes, that is one of the most common exits. Once a property is renovated, rent-ready or leased, you can often replace the short-term loan with a long-term DSCR loan qualified on the rent. See hard money to DSCR refinance.

Do you publish hard money pricing?

No. Pricing depends on the property, the scope of work, the borrower, the loan size and the market on the day it is priced, so we quote only after reviewing your scenario. See the how hard money works page for what goes into pricing.

Is hard money only for fix-and-flips?

No. Hard money also finances bridge loans, BRRRR acquisitions and ground-up construction. It is short-term capital for an investment property with a clear exit, not just for rehabs.

Can I live in a property financed with hard money?

No. This site arranges business-purpose financing for non-owner-occupied investment property only. If you or any family member will live in the property, we cannot take the request.

Are you a hard money lender?

No. Hard Money Loan is a Loan Daddy LLC brand, and Loan Daddy LLC (NMLS #2827624) is a mortgage broker, not a lender. We arrange and shop financing from wholesale lenders, including private and hard money lenders, who underwrite and fund the loans.

What is BRRRR?

BRRRR stands for buy, rehab, rent, refinance, repeat. You buy a property with short-term money, renovate it, rent it out, then refinance into long-term financing and repeat the cycle. See BRRRR financing.

How do I send a hard money scenario?

Include the property address, the purchase price or value, the scope of work or plan, the loan amount and the exit. A Loan Daddy loan specialist will follow up.

Apply for hard money financing