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- Nationwide Hard Money
Nationwide No-Ratio Hard Money Loans for 1–4 Unit Investors
Asset-based financing on 1–4 unit investment property, qualified on the property and your equity rather than a rent or income ratio.
- No DSCR or income ratio
- 1–4 unit investment property
- Most states, business-purpose only
On select programs, subject to lender approval. Not all applicants will qualify. Term sheets are subject to review and lender approval. Not a commitment to lend.
No-ratio hard money for real estate investors: qualification rests on the property, your equity and your exit, not on a DSCR or a personal income ratio.
Blue Fox Capital Corporation arranges and places asset-based hard money loans on 1–4 unit investment property in most states. Availability depends on the program, the property type and the state, and we confirm it for your deal before anything is submitted. When flexibility matters more than bank-style requirements, the file is underwritten on the property, the equity and the plan to repay. Closing timelines depend on the property, documentation and lender approval.
Availability. Business-purpose and commercial financing is available in select states through the programs Blue Fox Capital Corporation places, and is not available in every state. Consumer residential financing is offered in California only. Availability varies by program, property type and state, and is subject to lender approval.
Loan Highlights
- Qualification: No-ratio. No DSCR and no personal income ratio; the property, your equity and your exit carry the file
- LTV: Varies by market, property type, and investor guidelines
- Closing Timeline: Varies, subject to lender approval
- Valuation: appraisal or lender valuation required on most programs
- Property Types: 1–4 unit non-owner-occupied residential: single-family, condo, townhome and 2–4 units
- Availability: Most states, depending on the program and property type; subject to lender approval. For commercial property, see Commercial Bridge Loans.
- Credit: flexible; minimums vary by lender
Why Choose Hard Money?
Hard money loans are asset-based: underwriting starts with the property value and your equity, not your tax returns. On a no-ratio program there is also no rent-to-payment test, which is what separates it from a DSCR loan. That makes hard money a fit for purchases where bank underwriting is not practical, properties that are vacant or mid-renovation, and investors whose income is hard to document.
Ideal Use Cases
- Auction Purchases — Discuss financing before you bid
- Bridge Financing — Short-term capital while you arrange permanent financing
- Fix-and-Flip — Acquire and renovate investment properties
- Credit Challenges — Flexible underwriting when banks say no
- Portfolio Expansion — Scale your holdings without W-2 income requirements
Property Types
- Single-family rental and investment homes
- Condos and townhomes
- 2–4 unit residential investment property
- Fix-and-flip and bridge scenarios on 1–4 unit property
- 2nd trust deeds on investment property
- 5+ unit and commercial property: see Commercial Bridge Loans
The Exit: Refinance into DSCR
Hard money is temporary. Once the property is stabilized or leased, most investors refinance into a long-term DSCR rental loan, or a no-ratio DSCR loan if it is not leased yet. We plan that exit with you at the start; our guide on refinancing a hard money loan into a DSCR loan explains what the takeout lender checks.
Hard Money vs. Traditional Bank Loans
| Feature | Hard Money | Traditional Bank |
|---|---|---|
| Closing Time | Varies, subject to lender approval | Varies |
| Income Docs Required | No | Yes (tax returns, W-2s) |
| Credit Minimum | Varies by lender | Typically stricter |
| Appraisal | Lender-specific | Required |
| Underwriting Focus | Property value (asset-based) | Borrower income & credit |
| Flexibility | High | Low |
How It Works
- Apply — Submit your deal details online or call us
- Valuation — We review the property and the financing options that may fit
- Lender Review — Timing depends on the property and file
- Fund — closing timelines depend on underwriting and lender approval
Get Your Hard Money Quote
Ready to discuss your next deal? Call (310) 756-3619 or request your term sheet — term sheets are subject to review and lender approval.
← Back to All ProductsGet a Hard Money Loan Quote
Have a deal you would like reviewed? Tell us about your project and a loan advisor will follow up.
Hard Money Loan FAQ
What is a hard money loan?
A hard money loan is an asset-based, short-term loan secured by real estate. Unlike conventional mortgages, approval is based primarily on the property value and the borrower’s equity rather than personal income.
What does no-ratio mean on a hard money loan?
The program does not apply a DSCR or a personal debt-to-income ratio. Credit, equity, reserves, the appraisal and the exit plan are still reviewed, and restrictions apply.
Is this available outside California?
Yes. Investor and commercial financing is available in most states, depending on the program and property type. Residential home loans are California only. Tell us the state and we will confirm up front.
How long does a hard money loan take to close?
Closing timelines depend on the property, title, documentation, underwriting and lender approval.
What credit score do I need for a hard money loan?
Credit minimums vary by lender. The primary focus is on the property and your equity position rather than your credit profile.
Can I use a hard money loan for a fix-and-flip?
Yes. Fix-and-flip projects are one of the most common uses for hard money financing. Rehab funds can often be included in the loan. See California Fix-and-Flip & Bridge Loans.
Blue Fox Capital Corporation arranges and places financing for real estate investors, commercial property owners and California homeowners. Blue Fox Capital Corporation is a licensed California mortgage broker (DRE 01527288, NMLS 1840487). On select correspondent loan programs it is the direct lender named on the loan documents. We confirm the role for your loan before anything is submitted. Business-purpose and commercial financing is available in select states through the programs Blue Fox Capital Corporation places, and is not available in every state. Consumer residential financing is offered in California only. Availability varies by program, property type and state, and is subject to lender approval. Programs and terms vary by loan and are subject to approval. Closing timelines depend on underwriting and lender approval. Daniel Eckhouse, NMLS 217328 | CA DRE 01977403. The loans described on this page are business-purpose loans secured by non-owner-occupied investment or commercial property. They aren’t available for a home you live in or plan to live in. Program ranges are marketing ranges, not guarantees. They’re subject to change without notice, and to borrower qualification, property eligibility, appraisal and lender approval. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Opportunity. 4695 MacArthur Court, 11th Floor, Newport Beach, CA 92660 | (310) 756-3619 | dan@bluefoxcapital.com