• Closing speed depends on how complete the submission is, the property type, and valuation requirements. For clean deals with complete documentation, timelines can be fast. If an appraisal/BPO is required, that typically becomes the pacing item.

Hard money is primarily asset-based, so underwriting focuses on the property, leverage, and exit strategy. Some deals may still require basic financial or background information depending on size, structure, or risk.

Credit is considered, but it is not the only factor. Strong deal fundamentals, equity, and a clear exit plan can matter more than a single credit number.

Yes, first-time investors may qualify depending on the deal strength, leverage, and support team (for example, contractor experience and a realistic rehab plan).

Common property types include 1–4 unit residential, multifamily, mixed-use, and select commercial. Eligibility depends on location, condition, and exit strategy.

Rehab funds are typically disbursed in draws tied to completed work. The draw process, inspections, and timing vary by deal. A clear scope of work and line-item budget helps draws move smoothly.

Hard money loans typically include lender fees (such as points/origination) plus third-party closing costs (title, escrow, insurance, and valuation where required). Exact fees depend on the transaction.

Service areas can vary by program and property type. If you lend nationwide, say so clearly. If not, list the states you actively serve and link to your state pages.