"We offer guidance and protection to those seeking hard money loans for their real estate ventures. Our role is to connect borrowers with the most suitable hard money lenders, acting as a middleman to ensure you secure the best deal for your next private real estate investment project. With our support, you can make informed and intelligent decisions throughout the borrowing process."
At DFREL, we take pride in our extensive network of hard lenders from coast to coast, which enables us to provide our clients with a wide range of financing options. Whether our clients require 100% financing or have unique needs for their investment projects, we have the expertise and connections to cater to every requirement. Our role involves diligently gathering and submitting the necessary property information to these lenders, resulting in multiple competitive offers. We carefully analyze these offers and present the best deal to our clients, empowering them to make informed decisions about their loan products. Throughout the lending process, we offer comprehensive support, allowing investors to focus on their project tasks with peace of mind.
Most Popular Hard Money Loan Types
Buy and Hold or Fix and Hold
With or Without experience, Credit Score 620
1. Commercial properties (more than 5 units); We cover up to 85% acquisition of the property.
2. Properties from 4 units below, We cover 75% to 100% Loan to value in the acquisition of the property depending on credit score and property zoning.
3. Closing costs may be added / rolled over to the loan.
4. Ideally Suburban and Urban addresses
5. Zoned as Residential or Commercial properties we cover 100 % rehab cost.
6. For Fix and Hold of Residential property, Interest rate 6 - 8% short term 12 months amortization interest only, No Prepayment penalty. Once Rehab is done and plans to hold it for rental the loan program can be restructured to long term of 30 yrs. Amortization as low as 4% to 6% interest rate, No Prepayment Penalty, No Seasoning.
7. Straight Purchase, Interest rate as low as 4% to 6% 30 years amortization No prepayment penalty.
Rolled Over Program
Does require Experience, Credit Score 620
1. Cover 90% Loan to value in the Acquisition of the property and 100% Rehab Cost.
2. No Monthly payment while on Rehab. Closing Cost will be rolled over into the loan, no need to bring money in the closing table.
3. Good for Single Family homes up to 4 units. No to Rural properties. Interest rate 6% to 8% short term 12 months amortization interest only, No Prepayment Penalty. Once Rehab is done and plans to hold it for rental the loan program can be restructured to long term of 30 yrs. Amortization as low as 4% - 6% interest rate, No prepayment penalty, No Seasoning.
100% Financing-Zero Down Payment
Does require Experience- Credit Score 620
1. Cover 100% Loan to Value in the acquisition cost of the property plus 100% Rehab Cost
2. Good for Single Family homes and up to 4 units, No Mixed use. No to Rural properties
3. Interest rate 6% - 11% short term 12 months amortization interest only, No Prepayment Penalty. Once Rehab is done and plans to hold it for rental the loan program can be restructured to a long term of 30 yrs. Amortization as low as 4% to 8% interest rate, No Prepayment Penalty, No Seasoning.
Special Financing Credit Score
Credit Score 400 to 600- Does require Experience
1. Cover 90% Loan to Value in the acquisition cost of the property plus 90% Rehab Cost
2. Good for Single Family homes and up to 4 units, No Mixed use. No to Rural properties
3. Interest rate starts up to 11% short term 24 months amortization interest only, No Prepayment Penalty. Once Rehab is done and plans to hold it for rental the loan program can be restructured to a long term of 30 yrs. Amortization as low as 5% to 8% interest rate, No Prepayment penalty, No Seasoning.
Line of Credit
Need to have at least 1 experience in the pass 2 to 3 years
1. 1M to 20M loan. Use our Money with your projects, make draws anytime you need funds.
2. Streamline underwriting – Once funded, ready to purchase the property. No more underwriting. We just need to order appraisal and title then close as fast as 5 - 7 days only.
3. Multiple project funding.
4. The interest rate is not towards the line of credit amount, it is toward the loan amount of each property submitted.
5. Interest rate 6 - 8% short term 12 months amortization interest only, No Prepayment Penalty. Once Rehab is done and plans to hold it for rental the loan program can be restructured to a long term of 30 yrs. Amortization as low as 4% to 8% interest rate, No Prepayment Penalty, No Seasoning.
Ground up Construction loans
100% LTV on the cost of Construction-6% to 11% interest rate
Refinancing-Pay off and Cash out 4% to 8% interest rate