In the dynamic world of real estate investing, timing is crucial. At CS Financial Group, VCs and top real estate investors need quick access to capital to seize opportunities.
That's where our rigid money bridge loan comes in. They are a powerful tool to meet urgent funding needs before long-term financing is in place.
Understanding Hard Money Loans
A hard money loan is a short-term, asset-based loan secured by real estate. It differs from traditional loans. They focus on the value of the collateral property, not creditworthiness.
This unique approach allows for faster approvals and flexible terms. It's ideal for investors who need to move quickly on real estate deals.
Key Advantages
We process loan applications quickly. We often approve them in days or weeks, not months.
Asset-Based Lending: We focus on the property's value. This lets us work with more financial situations, including borrowers with bad credit.
Ideal for Short-Term Needs: It's perfect for projects needing quick cash and a fast turnaround in 6 to 24 months.
Vs. Offer bridge loan
Bridge loans Vs. Hard money bridge loans
Vs. Mortgage loans
Hard money bridge loans Vs. Mortgage loans
When to Use Hard Money Bridge Lenders for Investments
Bridge to Traditional Financing: Quickly secure a property while awaiting long or short-term loan, conventional loan approval.
Quick Property Acquisitions: Act fast on unique investments. Don't be held back by slow approvals.
Rehab and Fix-and-Flip Projects: Fund repairs to boost a property's value before selling.
Foreclosure or Distressed Property Purchases: Acquire assets requiring immediate action.
Bridge financial gaps in emergencies or between funding rounds.
Hard money loans at CS Financial Group.
Property Types: We finance many properties, including residential, commercial, and industrial real estate, as well as land.
Loan Amounts: Our loan amounts vary by project, typically ranging from $50,000 to several million, tailored to your specific needs.
Loan to Value (LTV) Ratios: We offer LTV ratios of 60-75%, depending on the property and project details.
Interest Rates: Our rates are 8-15%. They depend on LTV, property type, and borrower experience. While higher than traditional loans, these rates reflect the speed and flexibility of hard money lending.
Loan Terms: We offer flexible, 6-24 month terms. We focus on your short-term investment strategy.
Fees: We have a clear fee structure. It includes origination and appraisal fees with no hidden costs. Fees may vary based on the specific loan details.
Why choose CS Financial Group for your hard money lender?
Unmatched Expertise: Our team excels in hard money lending and bridge financing. We have vast experience with various property types and investment strategies.
Rapid Turnaround: We understand the importance of speed in real estate investing. We have a streamlined process. It ensures quick approvals and fast funding. We often close deals within a week.
Competitive Rates: Our hard money and bridge loan rates are among the best in the industry. They will maximize your investment potential.
Flexible Underwriting: We are an asset-based lender. We look beyond traditional metrics. We consider each deal's unique aspects to find solutions that work for you.
Dedicated Support: Our team is committed to your success. We will guide you through the loan process and beyond.
Ready to Seize Your Next Investment Opportunity?
Don't let slow financing hold you back from your next big real estate venture. Contact CS Financial Group for a custom bridge loan quote. It will meet your investment needs. Our team of private money lenders is ready. We will provide fast, flexible funding. It will help you stay ahead in real estate investing.
What is the maximum loan-to-value (LTV) ratio you offer?
Our LTV ratios typically range from 60-75%, depending on the property and project specifics. This is often higher than what traditional lenders offer for similar projects.
How does a hard money loan differ from a traditional loan?
Hard money loans prioritize speed and flexibility. They focus on the property's value, not strict credit requirements. They are ideal for short-term needs.
Why do Hard Money loans have higher interest rates?
Hard money loans carry higher interest rates because they are primarily based on the value of the collateral property, not the borrower's creditworthiness.
This poses a higher risk for lenders, leading to increased interest rates to compensate for that risk.
