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
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1
Send the deal
Address, purchase price or basis, rehab budget, and your exit plan.
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2
Get terms fast
We review the numbers and come back with a clear term sheet.
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3
Close and fund
Title, docs, and funding coordinated so you can move on the property.
Loan programs
Short-term, asset-based financing backed by the property—not lengthy bank underwriting.
Private Money LoanCapital from private lenders with flexible terms for investment real estate.
Fix-and-Flip LoanPurchase and rehab funds for properties you plan to renovate and resell.
Bridge LoanShort-term coverage between buying, selling, or refinancing an investment property.
Rental Property LoanFinancing for buy-and-hold rentals while you stabilize or refinance later.
DSCR LoanQualification based on the property’s rental income coverage, not personal W-2s.
Rehab LoanFunds focused on repairs and improvements to bring a property up to rent or sale.
Acquisition LoanCapital to close on a purchase when speed and certainty matter most.
Cash-Out RefinanceRefinance and pull equity out for rehab, reserves, or the next deal.
Rate-and-Term RefinanceReplace an existing loan to improve rate, term, or lender—without cash-out.
Construction Completion LoanFinish a project already underway when prior funding runs short or stalls.
Ground-Up Construction LoanFinancing to build new from the dirt up on entitled or shovel-ready sites.
Transitional Property LoanShort-term capital while a property moves from vacancy, rehab, or lease-up.
Short-Term Real Estate LoanBrief-duration funding meant to be exited by sale or refinance.
Interest-Only LoanPay interest during the term to keep monthly carry lower on short holds.
Asset-Based LoanUnderwriting driven by collateral value and exit strategy more than tax returns.
Business-Purpose LoanFinancing for investment use—not a primary residence owner-occupant loan.
Non-Owner-Occupied LoanFor properties you won’t live in: rentals, flips, and other investor holds.
Fast-Close LoanAccelerated closing when a contract deadline or auction clock is tight.
Auction Purchase LoanFunding structured for auction wins and short closing windows.
Foreclosure Purchase LoanCapital to buy REO or foreclosure inventory with investor timelines.
Distressed Property LoanFinancing for tired, damaged, or below-market assets with upside.
Inherited Property LoanOptions when heirs need to refinance, buy out, rehab, or sell an inherited asset.
Probate Property LoanFunding around probate sales or estate-owned real estate constraints.
Fire-Damaged Property LoanAcquisition or rehab capital for fire-damaged homes and rebuilds.
Uninhabitable Property LoanFinancing when a property isn’t livable until major work is done.
Vacant Property LoanLoans suited to empty houses, seasonal vacancies, or dark rentals.
Tenant-Occupied Property LoanBuy or refinance with tenants in place and rental cash flow in mind.
Delayed Financing LoanCash purchase first, then finance shortly after—when lenders allow delayed funding.
Buy-Before-You-Sell Bridge LoanBridge capital so you can buy the next property before the current one sells.
Bank Turn-Down FinancingPrivate options when a bank declines for timing, property, or credit reasons.
Credit-Challenged Investor LoanAsset-focused lending when credit history isn’t conventional-lender clean.
Stated-Income Investor LoanInvestor programs that weigh assets and deal strength over full income docs.
No-Tax-Return Investor LoanPathways that don’t require recent personal or business tax returns.
First-Time Investor LoanEntry programs for newer investors with a solid deal and plan.
Experienced Investor LoanTerms geared to operators with a track record of similar projects.
Foreign National Investor LoanFinancing for non-U.S. investors buying investment property here.
LLC Real Estate LoanLoans titled to an LLC or other entity commonly used by investors.
Trust-Owned Property LoanFinancing when the property is held in a trust structure.
Self-Directed IRA Property LoanNon-recourse style options for self-directed IRA real estate purchases.
Cross-Collateralized LoanUses more than one property as collateral to strengthen the loan.
Blanket LoanOne loan covering multiple properties in a single facility.
Portfolio LoanFinancing across a group of investor properties, often with one lender relationship.
2–4 Unit Property LoanLoans for duplexes, triplexes, and fourplex investment properties.
Multifamily Bridge LoanShort-term capital for 5+ unit or larger multifamily transitions.
Mixed-Use Property LoanFinancing for buildings combining residential and commercial use.
ADU Construction LoanFunds to build an accessory dwelling unit and add rentable space.
Rural Property LoanPrivate lending for investment property outside major metro cores.
High-Balance Private LoanLarger loan amounts when conventional caps or guidelines don’t fit.
Rush Loan ClosingPriority closing support when the calendar is the main risk.
Direct Private LenderWork directly with the capital source—fewer middlemen, clearer answers.
Conventional Financing ProblemPrivate 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.