Private real estate lending

Hard money loans that close on an investor’s timeline.

Competitive leverage for fix-and-flips, bridge deals, and value-add rentals. Local underwriting, direct answers, no bank runaround.

Capital built for operators

Summit Hard Money funds experienced investors who need speed and certainty. We underwrite the asset and the exit—not a mountain of personal paperwork.

How it works

  1. 1

    Send the deal

    Address, purchase price or basis, rehab budget, and your exit plan.

  2. 2

    Get terms fast

    We review the numbers and come back with a clear term sheet.

  3. 3

    Close and fund

    Title, docs, and funding coordinated so you can move on the property.

Loan programs

Hard Money Loan

Short-term, asset-based financing backed by the property—not lengthy bank underwriting.

Private Money Loan

Capital from private lenders with flexible terms for investment real estate.

Fix-and-Flip Loan

Purchase and rehab funds for properties you plan to renovate and resell.

Bridge Loan

Short-term coverage between buying, selling, or refinancing an investment property.

Rental Property Loan

Financing for buy-and-hold rentals while you stabilize or refinance later.

DSCR Loan

Qualification based on the property’s rental income coverage, not personal W-2s.

Rehab Loan

Funds focused on repairs and improvements to bring a property up to rent or sale.

Acquisition Loan

Capital to close on a purchase when speed and certainty matter most.

Cash-Out Refinance

Refinance and pull equity out for rehab, reserves, or the next deal.

Rate-and-Term Refinance

Replace an existing loan to improve rate, term, or lender—without cash-out.

Construction Completion Loan

Finish a project already underway when prior funding runs short or stalls.

Ground-Up Construction Loan

Financing to build new from the dirt up on entitled or shovel-ready sites.

Transitional Property Loan

Short-term capital while a property moves from vacancy, rehab, or lease-up.

Short-Term Real Estate Loan

Brief-duration funding meant to be exited by sale or refinance.

Interest-Only Loan

Pay interest during the term to keep monthly carry lower on short holds.

Asset-Based Loan

Underwriting driven by collateral value and exit strategy more than tax returns.

Business-Purpose Loan

Financing for investment use—not a primary residence owner-occupant loan.

Non-Owner-Occupied Loan

For properties you won’t live in: rentals, flips, and other investor holds.

Fast-Close Loan

Accelerated closing when a contract deadline or auction clock is tight.

Auction Purchase Loan

Funding structured for auction wins and short closing windows.

Foreclosure Purchase Loan

Capital to buy REO or foreclosure inventory with investor timelines.

Distressed Property Loan

Financing for tired, damaged, or below-market assets with upside.

Inherited Property Loan

Options when heirs need to refinance, buy out, rehab, or sell an inherited asset.

Probate Property Loan

Funding around probate sales or estate-owned real estate constraints.

Fire-Damaged Property Loan

Acquisition or rehab capital for fire-damaged homes and rebuilds.

Uninhabitable Property Loan

Financing when a property isn’t livable until major work is done.

Vacant Property Loan

Loans suited to empty houses, seasonal vacancies, or dark rentals.

Tenant-Occupied Property Loan

Buy or refinance with tenants in place and rental cash flow in mind.

Delayed Financing Loan

Cash purchase first, then finance shortly after—when lenders allow delayed funding.

Buy-Before-You-Sell Bridge Loan

Bridge capital so you can buy the next property before the current one sells.

Bank Turn-Down Financing

Private options when a bank declines for timing, property, or credit reasons.

Credit-Challenged Investor Loan

Asset-focused lending when credit history isn’t conventional-lender clean.

Stated-Income Investor Loan

Investor programs that weigh assets and deal strength over full income docs.

No-Tax-Return Investor Loan

Pathways that don’t require recent personal or business tax returns.

First-Time Investor Loan

Entry programs for newer investors with a solid deal and plan.

Experienced Investor Loan

Terms geared to operators with a track record of similar projects.

Foreign National Investor Loan

Financing for non-U.S. investors buying investment property here.

LLC Real Estate Loan

Loans titled to an LLC or other entity commonly used by investors.

Trust-Owned Property Loan

Financing when the property is held in a trust structure.

Self-Directed IRA Property Loan

Non-recourse style options for self-directed IRA real estate purchases.

Cross-Collateralized Loan

Uses more than one property as collateral to strengthen the loan.

Blanket Loan

One loan covering multiple properties in a single facility.

Portfolio Loan

Financing across a group of investor properties, often with one lender relationship.

2–4 Unit Property Loan

Loans for duplexes, triplexes, and fourplex investment properties.

Multifamily Bridge Loan

Short-term capital for 5+ unit or larger multifamily transitions.

Mixed-Use Property Loan

Financing for buildings combining residential and commercial use.

ADU Construction Loan

Funds to build an accessory dwelling unit and add rentable space.

Rural Property Loan

Private lending for investment property outside major metro cores.

High-Balance Private Loan

Larger loan amounts when conventional caps or guidelines don’t fit.

Rush Loan Closing

Priority closing support when the calendar is the main risk.

Direct Private Lender

Work directly with the capital source—fewer middlemen, clearer answers.

Conventional Financing Problem

Private solutions when conventional guidelines block a workable deal.

Ready to fund your next deal?

Share the property and timeline. We’ll tell you quickly whether it’s a fit.

Start your application