Real Etate Lending

Unlock Flexible Financing with BH Capital's Hard Money Lending Solutions

At BH Capital Funding, we offer tailored hard money lending solutions designed to provide quick and flexible financing for real estate investors. Whether you’re a seasoned developer or a first-time investor, we specialize in providing fast capital to help you seize lucrative opportunities. With competitive rates, streamlined processes, and no junk fees, our hard money loans are built to meet your project’s needs.

Why Choose BH Capital for Hard Money Lending?

Our hard money lending program provides the flexibility and speed you need to secure real estate deals. With loan amounts ranging from $100,000 to $3 million and up to 93% loan-to-cost (LTC), we are positioned to support a wide variety of real estate investments, including fix-and-flip projects, new construction, and cash-out refinancing.

Key Features of Our Hard Money Loans:

  • Loan-to-Cost (LTC): Up to 93%

  • Minimum FICO: 660

  • Loan Amounts: $100,000 to $2 million

  • Closing Time: 3-5 days for qualified borrowers

  • No Upfront Appraisals: (Up to 85% LTC for loan sizes under $750,000)

  • Fast Approval Process: No junk fees, ensuring transparency

  • Flexible Terms: Designed for quick turnaround, ideal for real estate investors

How Does Hard Money Lending Work?

Hard money loans are asset-based loans primarily used by real estate investors. These loans are secured by the property being purchased or refinanced. Unlike traditional financing, hard money loans provide fast, flexible capital by focusing on the value of the asset, rather than the borrower's creditworthiness alone. This allows you to close deals quickly and efficiently.

The Process:

  1. Application Submission – Start by completing our simple application form. We collect basic information about the property and your project.

  2. Preliminary Loan Approval – Within 24-48 hours, we’ll provide preliminary loan approval based on the property’s value and loan-to-cost (LTC) ratio.

  3. Loan Underwriting – Once approved, our team works quickly to assess the asset’s value and complete underwriting. We don’t require upfront appraisals, saving you time and money.

  4. Loan Closing – Closing takes as little as 3-5 days, allowing you to secure funds quickly to complete your project or close on a new property.

  5. Disbursement & Project Execution – Funds are disbursed, and you can start or continue your real estate investment project.

Product Types We Offer

At BH Capital, we understand the diverse needs of real estate investors. That’s why we offer a range of hard money loan products to suit your specific project goals:

1. Fix & Flip Loans

Ideal for investors looking to purchase, renovate, and sell properties for a profit. Our Fix & Flip Loans provide fast financing, allowing you to focus on transforming properties and maximizing returns.

  • Up to 85% LTC

  • Flexible draw schedules for rehab costs

2. New Construction Loans

For ground-up construction projects, we offer New Construction Loans with competitive interest rates and flexible terms. We can fund up to 85% LTC on approved projects.

  • Up to 85% of project costs

  • Quick closings to keep your project on track

3. Bridge Loans

Need quick access to capital to cover immediate expenses or secure new opportunities? Our Bridge Loans offer temporary financing solutions, with flexible terms designed to meet the unique demands of your short-term needs.

  • Up to 85% LTC

  • Fast closings within 3-5 days

4. Cash-Out Refinance

Unlock equity in your existing properties with our Cash-Out Refinance Loans. Whether you need funds for another investment or to cover unexpected expenses, we provide flexible refinancing options based on the equity in your property.

  • Up to 85% of appraised value

Why Choose BH Capital for Hard Money Loans?

  1. Speed & Flexibility: With 3-5 day closings, we understand that real estate deals move fast, and you need a lender who can keep up.

  2. Competitive Interest Rates: Our interest rates range from 10.5% to 10.9%, ensuring that you get fast funding without excessive costs.

  3. No Junk Fees: We value transparency—our loans have no hidden fees, ensuring a straightforward and fair loan experience.

  4. Minimal Documentation: With fewer paperwork requirements than traditional lenders, you can access funds faster.

  5. Nationwide Lending: We offer hard money loans across various states, providing national coverage with a local touch.

Loan Requirements

To qualify for BH Capital’s hard money lending program, the following criteria must be met:

  • Minimum FICO Score: 660

  • Loan Amount: $100,000 to $2 million

  • Property Type: Residential, Multi-family, or Commercial

  • LTV/LTC: Up to 93% LTC

  • No Upfront Appraisals: On loan sizes under $750,000

The Benefits of Hard Money Lending

  • Fast Closing: Get funding in as little as 2-5 days.

  • Flexible Underwriting: Focused on the asset value and project potential, not just your credit score.

  • High LTC Ratios: Up to 93% of the project’s cost.

  • Minimal Red Tape: No excessive paperwork or unnecessary delays.

  • No Junk Fees: We pride ourselves on offering transparent and competitive lending without the hidden costs.

Ready to Get Started?

If you’re ready to move forward with your real estate investment, we’re here to help. Apply now or contact our team to discuss your project and see how our hard money lending solutions can help you succeed.