AvoidHardMoney.com
$250,000 to $5,000,000

Non-PRIME Loan Solutions for everyone. We understand that not every borrower fits in a conventional loan program. AvoidHardMoney.com is a mortgage brokerage company that has alternative loan programs that range from 5% fixed long term (5, 7, 30 year) as opposed to hard money lenders that are usually 9%+.
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Bank Statement

This program is designed for borrowers who are self-employed and would benefit from alternative loan qualification methods. Bank
statements (personal and/or business) may be used as an alternative to tax returns to document a self-employed borrower’s
income. 

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Investor

This program is designed for experienced real estate investors and qualifies borrowers based on cash-flows solely from the subject
property.

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Fix and Flip

Sometimes a great opportunity comes up in the market. Our Fix and Flip loan allows borrowers to purchase a distressed property or refinance an incomplete property without the need for draws and escrow accounts.

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No Income / Stated Income

Quikly renfince hard money loans with our no income stated program. Investor home loans only.  3/5/7 Arm or 30 Year Fixed

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580

MIN FICO

$250,000

MIN LOAN AMOUNT

$5,000,000

MAX LOAN AMOUNT

Bank Statement

1, 12 and 24 months bank statements
Up to 95% LTV**
DTI up to 55%**
Primary, 2nd Home & Investment
Up to $5 million loan amount
Credit scores as low as 500
Investor Program with Debt Service option
Interest Only option available
Non-warrantable condos available
Lower rates than hard money

Loan Application

Investor – Non Hard Money

The borrower is qualified based upon the cash flows of the subject property only, regardless of the number of properties
owned by the borrower
–Asset Based Loans (NO Employment Verification, NO Income Qualification, NO DTI Calculations, NO Tax Returns or 4506 Required)
-30-Day Seasoning on Refinances
-No Sourcing or Seasoning of Funds
-Long-Term Buy & Hold Products (30-Year Amortizations)
-Rates as Low as 5%
-Portfolio Loans Available
-Close in Weeks, not Months
-Up to 80% LTV on Purchases and 70% on Refi Cash-Outs
-640 Min. Credit Score
-Min. Loan Amount: $250K, Max Loan Amount: $5 million, depending on loan product
-Lower rates than hard money

Loan Application

Fix and Flip

Non-Owner Occupied Properties Only
Stated Income (No Income Verification)
Loan Amounts: $250,000 – $7,000,000
Max LTV 80% (Up to 100% CLTV w/ Rehab Financing)
No Minimum Fico
No Seasoning Requirements
Close in 5 to 7 Days!
Lower rates than hard money

Loan Application

No Income / Stated Income

Min FICO 620
No income on 1003
No ratios
Investors qualify w/ the cash flow of the subject property
Loan amounts up to $5,000,000
LTV’s up to 80%
Purchase, Cash-out and Rate / Term available
Can close as Corp / LLC
Unlimited # of financed properties
Lower rates than hard money

What is Non-Prime Lending?

Non-Prime is a term for loan types that do not fit into the restraints of government lending standards known as Prime, Agency, or A-Paper Lending and defined as Qualified Mortgages. These usually have lower rates than hard money lenders.

Commercial / Investor Residential Loans available Nationwide except for CA, OR, HI and UT

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For Prime, FHA, VA, USDA, Convential Loans – TransStatesMortgage.com