Hard Money Lender Example for Real Estate Investors

Last Updated: December 1, 2025

In the fast-paced world of real estate investing, particularly for those focused on fix and flip projects or the fix and rent BRRRR method, access to quick and flexible financing is essential. Traditional bank loans often fall short with their lengthy approval processes, stringent credit requirements, and aversion to distressed properties. This is where hard money lenders step in, providing asset-based loans secured by the property itself rather than the borrower's personal finances. For investors targeting 1-4 unit residential properties, such as single-family homes, duplexes, or small multifamily units, hard money loans offer the speed and leverage needed to capitalize on opportunities.

OfferMarket stands out as a reliable hard money lender in this space, specializing in loans for fix and flip and fix and rent strategies. OfferMarket's guidelines emphasize high loan-to-value ratios based on after-repair value, short terms with interest-only payments, and support for dual exit strategies, allowing investors to flip for quick profits or transition to long-term rentals. Loan amounts range from a minimum of $25,000 to $2,000,000, with terms of 12 to 24 months and no prepayment penalties. Interest accrues on disbursed funds for loans over $100,000, helping preserve cash flow during rehab. Origination fees are 1.5 to 2 points, with up to 100 percent of rehab costs covered through draw requests processed in as little as zero to two business days.

What makes OfferMarket particularly appealing is our tiered system based on investor experience, which unlocks better terms without requiring prior flips for entry-level borrowers. Tier 1 investors with no experience can still secure up to 70 percent loan-to-after-repair value, while seasoned Tier 5 investors access up to 75 percent. Properties must be non-owner-occupied 1-4 unit residential, with a minimum size of 700 square feet for single-family homes or 500 square feet per unit for multifamily. Geographic coverage spans most U.S. states, excluding a handful like Alaska and Hawaii.