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What is a hard money loan?

In Las Vegas hard money loans are a way to borrow capital without having to use a traditional mortgage lender or broker.

When financing has to happen quickly, which is often the case for Las Vegas real estate investors, hard money loans may be the only option available.

How Hard Money Loans Work in Las Vegas



That's where hard money loans come in


So Why Use Hard Money Financing?

Speed: Hard money loans generally close much more quickly than traditional home loans. Private money lenders don't spend as much time going through a hard money loan application – verifying income, bank statements, etc. Once you have a relationship with a private money lender, the process moves quickly, giving you the ability to close your Las Vegas real estate transactions much quicker than others which proves very valuable in markets like Las Vegas.


Approval: a crucial piece of hard money loans is collateral. If you’re buying an investment property in Las Vegas, private money lenders will generally lend you as much as the property is worth. If you borrow against another property you own, that property’s value is what is given the most weight.

When Does a Hard Money Loan Make Sense?

Las Vegas hard money loans make the most sense for short term investments. Las Vegas fix-and-flip investors are a prime candidate for hard money loans since they own properties just long enough to see the value increase. They typically don't utilize hard money financing for more than 1 year.

General Guidelines

  • Non-owner Occupied Only
  • Lending in AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA & WA
  • Purchase, Refinance, Cash Out, Rehab
  • 75-80% LTV
  • $100K-$10 Million
  • SFR, 1-4, 5+, Condos
  • Interest Only Payments
  • Stated Income/Bank Statements Only
  • No Minimum FICO Requirements
Loan Status