The Mortgage Solver

A hard money loan is a loan that’s acquired through a ‘hard asset,’ in this case, real estate. Instead of focusing on your personal income or employment history, hard money lenders like Kiavi look to your property’s after-repair value (ARV)—the property’s value after rehab is complete— to estimate the property’s worth. When you apply for a hard money loan with Kiavi, you aren’t required to dig up your tax returns or W-2s as you would with a traditional bank. This makes hard money an excellent option if you’re looking to skip the frustration of slow human decisions and tedious, paper-based processes. Instead of taking months to close, you could possibly fund your new fix and flip or rental project in weeks!