What types of properties qualify for hard money loans?

Accolend offers hard money loans for various types of residential properties, including Single Family Homes, Duplexes, Triplexes, Quadplexes, Multifamily Properties, Mixed-Use Properties, and Condos/Townhomes.

What are the interest rates for hard money loans?

Accolend offers competitive rates for hard money loans, typically ranging between 10% and 11% with No-Points. For DSCR loans, rates start as low as 7%. As a no-points lender, we ensure you don’t face additional upfront fees, maximizing your investment potential.

Can I refinance my existing mortgage with a hard money loan?

Yes! Hard money loans are often used to refinance real estate properties. Accolend’s refinance loans allow you to cash out on an investment or reposition your portfolio, with fast approvals and flexible terms to help scale your real estate investments.

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No Points Hard Money Loan Programs

Q: How fast can I close on a hard money loan?

At Accolend, you can close on a hard money loan in as little as 7-15 business days. This speed is ideal for real estate investors who need to act quickly in competitive markets.

Purchase LTC

Up to 90%*

Up to 70%

Up to 75%

Up to 80%

Up to 75%

Rehab LTC

Up to 100%

N/A

Up to 100%

LTV ARV

Up to 75%

Up to 70%

N/A

Up to 65%

Rates, with points

From 8%

N/A

From 8.5%

Rates, no points

From 9.99%

From 6%

From 10.75%

Loan size

$115k-$8m

$300k-$8m

$115K-$8m

$150k-$3.5m

$300,000-$30m

Property Type

SFR, condo,
townhouse, 2-4 unit

SFR, condo, townhouse, 2-8 unit

5+ Units, Mixed Use

Closing Time

7-15 Business days

30 days

1-3+ weeks

Experience

Not Required

Required

Not Required

Scenario Dependent

Min FICO

620

650

620

640

670

Term

Up to 18 months

Up to 24 months

Up to 18 months

30 years

Scenario Dependent

*90% LTC available on light rehab projects only.

Fix & Flip

Bridge Loans

Ground Up Construction Loans

Rental Loans/DSCR Loans

Multifamily & Mixed-Use

Fix & Flip

Purchase LTC

Up to 90%*

Rehab LTC

Up to 100%

LTV ARV

Up to 75%

Rates, with points From 8%

Rates, no points From 9.99%

Loan size $115k-$8m

Property Type SFR, condo, townhouse, 2-4 unit

Closing Time 7-15 Business days

Experience Not Required

Min FICO 620

Term Up to 18 months

*90% LTC available on light rehab projects only.

Ground Up Construction Loans

Purchase LTC

Up to 70%

Rehab LTC

Up to 100%

LTV ARV

Up to 70%

Rates, with points From 8%

Rates, no points From 9.99%

Loan size $300k-$8m

Property Type SFR, condo, townhouse, 2-4 unit

Closing Time 7-15 Business days

Experience Required

Min FICO 650

Term Up to 24 months

Bridge Loans

Purchase LTC

Up to 75%

Rehab LTC

N/A

LTV ARV

N/A

Rates, with points From 8%

Rates, no points From 9.99%

Loan size $115K-$8m

Property Type SFR, condo, townhouse, 2-4 unit

Closing Time 7-15 Business days

Experience Not Required

Min FICO 620

Term Up to 18 months

Rental Loans/DSCR Loans

Purchase LTC

Up to 80%

Rehab LTC

N/A

LTV ARV

N/A

Rates, with points N/A

Rates, no points From 6%

Loan size $150k-$3.5m

Property Type SFR, condo, townhouse, 2-8 unit

Closing Time 30 days

Experience Not Required

Min FICO 640

Term 30 years

Multifamily & Mixed-Use

Purchase LTC

Up to 75%

Rehab LTC

Up to 100%

LTV ARV

Up to 65%

Rates, with points From 8.5%

Rates, no points From 10.75%

Loan size $300,000-$30m

Property Type 5+ Units, Mixed Use

Closing Time 1-3+ weeks

Experience Scenario Dependent

Min FICO 670

Term Scenario Dependent

New Application

Accolend offers Fix & Flip loans designed for real estate investors looking to renovate and resell properties... Read More

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Financing for Fix & Flip Projects

Quick Approvals & Fast Funding (7-15 Business days)
Competitive Interest Rates (10-10.5%)
No Points, No Hidden Fees, Direct Private Lender

Fast, Flexible Funding for Property Renovations

Accolend’s Ground-Up Construction loans offer real estate investors the capital needed to build from... Read More

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New Construction Financing for Builders & Investors

Close in 7-15 Days with Streamlined Process
No Points, Transparent Terms, & Competitive Rates
Private Lending for Residential & Mixed-Use Construction

Build with Speed & Confidence

Accolend's DSCR rental loans are designed for real estate investors looking to finance rental properties... Read More

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Flexible DSCR Loans for Investment Properties

Financing for Single-Family, Multifamily & Mixed-Use Properties
Private Lending Solutions for Long-Term Rental Investments

No Points, Fast Closings

Need short-term financing to close a deal quickly? Accolend’s Bridge loans help real estate investors secure... Read More

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Short-Term Bridge Financing for Investors

Close in Just 7-15 Business days
No Points & Competitive Interest Rates
Flexible Loan Terms for Smooth Transactions

Fast Capital for Real Estate Investors

Fix and Flip loan for single family home in Cresskill, NJ, with a $3,100,000 loan and $1,200,000 construction budget

Fix and Flip | Purchase Cresskill, NJ Property Type: Single Family Residence Loan amount: $3,100,000 Construction Budget: $1,200,000

Rental loan for a single-family home in Rossville, GA, with a $168,000 loan amount funded

Rental | Refinance Rossville, GA Property Type: Single Family Residence Loan amount: $168,000 DSCR: 1.2

Ground-up loan for a 11 unit multifamily in Brooklyn, NY, with a $2,600,0000 loan amount funded

Ground-Up | Cashout Brooklyn, NY Property Type: Multifamily Loan amount: $2,600,000 Unit Count: 11

Fix and Flip loan for a single family home in East Point, Georgia, with a $150,000 loan amount funded

Fix and Flip | Purchase East Point, GA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $45,000

Bridge loan for a single family home in Monroe, NC with a funded loan amount of $650,000

Bridge Loan | Cashout Monroe, NC Property Type: Single Family Residence Loan amount: $650,000 No Points

Fix and Flip loan for a single family house in Broomall, PA with a $500,000 loan amount funded

Fix and Flip | Purchase Broomall, PA Property Type: Single Family Residence Loan amount: $500,000 Construction Budget: $170,000

A Fix and Flip deal in Cincinnati, OH for a multifamily property with a $1,250,000 loan amount funded

Fix and Flip | Cashout Cincinnati, OH Property Type: Multifamily Loan amount: $1,250,000 Construction Budget: $1,000,000

A Fix and Flip deal in Saint Louis, MO for a duplex, with a loan amount of $160,000

Fix and Flip | Cashout Saint Louis, MO Property Type: Duplex Loan amount: $160,000 Construction Budget: $130,000

A rental cashout loan in Lafayette, LA for a single family home, with a loan amount of $300,000 funded

Rental | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.3

A fix and flip deal for a single family home in Cherry Valley, CA with a funded loan amount of $490,000

Fix and Flip | Purchase Cherry Valley, CA Property Type: Single Family Residence Loan amount: $490,000 Construction Budget: $155,000

A rental cashout loan on a single family house in Norwalk, CT with a funded loan amount of $390,000

Rental | Cashout Norwalk, CT Property Type: Single Family Residence Loan amount: $390,000 DSCR: 1.2

A fix and flip loan for a single family home in Temple, TX, with a loan amount of $315,000 funded

Fix and Flip | Cashout Temple, TX Property Type: Single Family Residence Loan amount: $315,000 Construction Budget: $215,000

A fix and flip loan for a duplex in Saint Pete Beach, FL, with a funded loan amount of $475,000

Fix and Flip | Purchase Saint Pete Beach, FL Property Type: Duplex Loan amount: $475,000 Construction Budget: $175,000

A fix and flip loan for a single family home in Tampa, FL, with a funded loan amount of $165,000

Fix and Flip | Purchase Tampa, FL Property Type: Single Family Residence Loan amount: $165,000 Construction Budget: $50,000

A fix and flip deal in Akron, OH on a single family home with a loan amount of $435,000 funded

Fix and Flip | Cashout Akron, OH Property Type: Single Family Residence Loan amount: $435,000 Construction Budget: $350,000

A fix and flip loan on a multifamily project in Indianapolis, IN with a loan amount of $915,000

Fix and Flip | Refinance Indianapolis, IN Property Type: Multifamily Loan amount: $915,000 Construction Budget: $760,000

A fix and flip cashout loan for a single family home in Louisville, KY with a loan amount of $107,200

Fix and Flip | Cashout Louisville, KY Property Type: Single Family Residence Loan amount: $107,200 Construction Budget: $85,000

A fix and flip loan in Long Branch, NJ for a single family home, with a funded loan amount of $450,000

Fix and Flip | Cashout Long Branch, NJ Property Type: Single Family Residence Loan amount: $450,000 Construction Budget: $200,000

A fix and flip loan for a multifamily property in Stockton, CA with a loan amount of $870,000

Fix and Flip | Purchase Stockton, CA Property Type: Multifamily Loan amount: $870,000 Construction Budget: $80,000

A rental cashout loan for a duplex in Belleville, NJ with a loan amount of $560,000

Rental | Cashout Belleville, NJ Property Type: Duplex Loan amount: $560,000 DSCR: 1.1

A bridge loan for a single family home in Gretna, LA with a loan amount of $145,000

Bridge Loan | Cashout Gretna, LA Property Type: Single Family Residence Loan amount: $145,000 No Points

Fix and Flip purchase loan funded for a multifamily property in North Plainfield NJ with $415k loan and $43k construction budget

Fix and Flip | Purchase North Plainfield, NJ Property Type: Multifamily Loan amount: $415,000 Construction Budget: $43,000

Fix and Flip refinance loan funded for a condo in Brooklyn NY with $4M loan and $220k construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Condo Loan amount: $4,000,000 Construction Budget: $220,000

Fix and Flip purchase loan funded for a single family home in Philadelphia PA with $115k loan and $45k construction budget

Fix and Flip | Purchase Philadelphia, PA Property Type: Single Family Residence Loan amount: $115,000 Construction Budget: $45,000

Ground-Up refinance loan funded for a single family home in Westport CT with $2.1M loan and $1.5M construction budget

Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Fix and Flip purchase loan funded for a mixed-use property in Trenton NJ with $530k loan and $315k construction budget

Fix and Flip | Purchase Trenton, NJ Property Type: Mixed-use Loan amount: $530,000 Construction Budget: $315,000

Bridge purchase loan funded for a single family home in Maplewood NJ with $412k loan for 2-unit property

Bridge Loan | Purchase Maplewood, NJ Property Type: Single Family Residence Loan amount: $412,000 Unit Count: 2

Fix and Flip purchase loan funded for a triplex in Jacksonville FL with $290k loan and $123k construction budget

Fix and Flip | Purchase Jacksonville, FL Property Type: Triplex Loan amount: $290,000 Construction Budget: $123,000

Fix and Flip purchase loan funded for a multifamily property in New Brunswick NJ with $920k loan and $310k construction budget

Fix and Flip | Purchase New Brunswick, NJ Property Type: Multifamily Loan amount: $920,000 Construction Budget: $310,000

Bridge purchase loan funded for a multifamily property in Orange NJ with $1.6M loan for 11-unit building

Bridge Loan | Purchase Orange, NJ Property Type: Multifamily Loan amount: $1,600,000 Unit Count: 11

Rental cashout loan funded for a mixed-use property in Pemberton NJ with $605k loan for 6-unit property

Rental | Cashout Pemberton, NJ Property Type: Mixed-use Loan amount: $605,000 Unit Count: 6

Ground-Up purchase loan funded for townhouses in Ridgefield NJ with $3M loan and $2.115M construction budget

Ground-Up | Purchase Ridgefield, NJ Property Type: Townhouses Loan amount: $3,000,000 Construction Budget: $2,115,000

Ground-Up cashout loan funded for a duplex in Irvington NJ with $465k loan and $407k construction budget

Ground-Up | Cashout Irvington, NJ Property Type: Duplex Loan amount: $465,000 Construction Budget: $407,000

Fix and Flip refinance loan funded for a multifamily property in Brooklyn NY with $2.675M loan and $2.25M construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Multifamily Loan amount: $2,675,000 Construction Budget: $2,250,000

Ground-Up purchase loan funded for a condo in Jersey City NJ with $850k construction budget

Ground-Up | Purchase Jersey City, NJ Property Type: Condo Loan amount: $338,000 Construction Budget: $850,000

Rental cashout loan funded for a single family home in Jersey City NJ with $437k loan and DSCR 1.08

Rental | Cashout Jersey City, NJ Property Type: Single Family Residence Loan amount: $437,000 DSCR: 1.08

Accolend funded Ground-Up purchase loan for a single family home in Short Hills NJ with $2.37M loan and $1.4M construction budget

Ground-Up | Purchase Short Hills, NJ Property Type: Single Loan amount: $2,375,000 Construction Budget: $1,400,000

Fix and Flip purchase loan funded for a condo in Medford MA with $965k loan and $240k construction budget

Fix and Flip | Purchase Medford, MA Property Type: Condo Loan amount: $965,000 Construction Budget: $240,000

Ground-Up purchase loan funded for a single family home in Columbus OH with $250k loan and $250k construction budget

Ground-Up | Purchase Columbus, OH Property Type: Single Loan amount: $250,000 Construction Budget: $250,000

Accolend funded Fix and Flip cash-out loan for a single family home in Riverview FL with $245k loan and $85k construction budget

Fix and Flip | Cashout Riverview, FL Property Type: Single Loan amount: $245,000 Construction Budget: $85,000

Fix and Flip purchase loan funded for a single family home in Commack NY with $980k loan and $250k construction budget

Fix and Flip | Purchase Commack, NY Property Type: Single Loan amount: $980,000 Construction Budget: $250,000

Bridge loan funded for a 23-unit multifamily property in Newark NJ with $2M loan

Bridge Loan | Purchase Newark, NJ Property Type: Multifamily Loan amount: $2,000,000 Unit Count: 23

Fix and Flip purchase loan funded for a single family home in Northridge CA with $990k loan and $400k construction budget

Fix and Flip | Purchase Northridge, CA Property Type: Single Loan amount: $990,000 Construction Budget: $400,000

Accolend funded Fix and Flip cash-out loan for a mixed-use property in Newark NJ with $5M loan and $1.1M construction budget

Fix and Flip | Cashout Newark, NJ Property Type: Mixed-use Loan amount: $5,000,000 Construction Budget: $1,100,000

Bridge cash-out loan funded for a 36-unit mixed-use property in Jersey City NJ with $8.6M loan

Bridge Loan | Cashout Jersey City, NJ Property Type: Mixed-use Loan amount: $8,600,000 Unit Count: 36

Accolend funded Fix and Flip loan for single family home in New Windsor NY with $330k loan and $90k construction budget

Fix and Flip | Purchase New Windsor, NY Property Type: Single Family Residence Loan amount: $330,000 Construction Budget: $90,000

Accolend funded Bridge loan for multifamily property in Irvington NJ with $2.83M loan for 18-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $2,830,000 Unit Count: 18

Accolend funded Ground-Up cashout loan for single family home in San Clemente CA with $2.7M loan & $2.06M construction budget

Ground-Up | Cashout San Clemente, CA Property Type: Single Family Residence Loan amount: $2,700,000 Construction Budget: $2,060,000

Accolend funded a rental cashout loan for single family home in Monroe, NY with $300k loan and DSCR 1.25

Rental | Cashout Monroe, NY Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.25

Fix and Flip loan funded for single family home in Westfield NJ with $1.05M loan and $380k construction budget

Fix and Flip | Purchase Westfield, NJ Property Type: Single Family Residence Loan amount: $1,050,000 Construction Budget: $380,000

Bridge loan funded for multifamily property in Irvington NJ with $3.08M loan for 19-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $3,080,000 Unit Count: 19

Ground-Up cashout loan funded for single family home in Philadelphia PA with $1.43M loan and $1.26M construction budget

Ground-Up | Cashout Philadelphia, PA Property Type: Single Family Residence Loan amount: $1,430,000 Construction Budget: $1,256,000

Rental cashout loan funded for single family home in Dallas TX with $165k loan and DSCR 1.12

Rental | Cashout Dallas, TX Property Type: Single Family Residence Loan amount: $165,000 DSCR: 1.12

Fix and Flip loan funded for single family home in Union NJ with $410k loan and $70k construction budget

Fix and Flip | Purchase Union, NJ Property Type: Single Family Residence Loan amount: $410,000 Construction Budget: $70,000

Fix and Flip loan funded for single family home in Los Angeles CA with $2,000,000 loan and $600,000 construction budget

Fix and Flip | Purchase Los Angeles, CA Property Type: Single Family Residence Loan amount: $2,000,000 Construction Budget: $600,000

Fix and Flip loan funded for single family home in Lafayette LA with $150,000 loan and $131,000 construction budget

Fix and Flip | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $131,000

Fix and Flip loan funded for single family home in Millburn NJ with $1,100,000 loan and $450,000 construction budget

Fix and Flip | Purchase Millburn, NJ Property Type: Single Family Residence Loan amount: $1,100,000 Construction Budget: $450,000

Fix and Flip cashout loan funded for mixed-use property in Bronx NY with $5,950,000 loan and $5,600,000 construction budget

Fix and Flip | Cashout Bronx, NY Property Type: Mixed-use Loan amount: $5,950,000 Construction Budget: $5,600,000

Fix and Flip loan funded for single family home in Montclair NJ with $2,800,000 loan and $825,000 construction budget

Fix and Flip | Purchase Montclair, NJ Property Type: Single Family Residence Loan amount: $2,800,000 Construction Budget: $825,000

Bridge loan funded for multifamily property in East Orange NJ with $4,700,000 loan for 25-unit building

Bridge Loan | Refinance East Orange, NJ Property Type: Multifamily Loan amount: $4,700,000 Unit Count: 25

Bridge loan funded for single family home in Dix Hills NY with $565,000 loan and no points

Bridge Loan | Purchase Dix Hills, NY Property Type: Single Family Residence Loan amount: $565,000 No points

Ground-Up cashout loan funded for single family home in Long Island NY with $1,830,000 loan and $1,500,000 construction budget

Ground-Up | Cashout Long Island, NY Property Type: Single Family Residence Loan amount: $1,830,000 Construction Budget: $1,500,000

Rental purchase loan funded for single family home in Newark NJ with $275,000 loan and DSCR 1.13

Rental | Purchase Newark, NJ Property Type: Single Family Residence Loan amount: $275,000 DSCR: 1.13

What Are Hard Money Loans?

Hard money loans are short-term, asset-based financing solutions designed for real estate investors who need quick funding for property purchases, refinances, renovations, or new construction. Unlike traditional bank loans, hard money loans are based on the value of the property rather than the borrower's credit score or income. Key Features of Hard Money Loans:

Fast Approvals & Closings

Get funded in 7-15 business days, much faster than traditional banks.

Asset-Based Lending

Loan approvals are based on the property's value, not your income.

Flexible Terms

Ideal for fix and flip projects, ground-up construction, and bridge loans.

Short-Term Financing

Typically 6-24 months, allowing investors to complete and exit projects quickly.

Apply Now

Requirements for Hard Money Loans

Getting approved for a hard money loan with Accolend is quicker and easier than using a traditional lender. Instead of obsessing over credit scores or income, we base our decisions on the property's value and the strength of your investment plan.

Here's what you'll need to qualify:

Property Value

Our loans are asset-based, meaning approval depends on the property's value. Accolend typically lends up to 65–70% of the property's value (Loan-to-Value or LTV).

Investment Contribution

You'll need to bring in 15–25% of the project costs or have that much equity if refinancing.

Investment Purpose

Our loans are for non-owner-occupied properties only. Funds must be used for investment purposes like acquiring, rehabbing, or refinancing an investment property.

Exit Strategy

You'll need a clear plan to repay the loan, typically by selling the property or by refinancing it into a long-term loan.

Property Value

Our loans are asset-based, meaning approval depends on the property's value. Accolend typically lends up to 65–70% of the property's value (Loan-to-Value or LTV).

Investment Contribution

You'll need to bring in 15–25% of the project costs or have that much equity if refinancing.

Investment Purpose

Our loans are for non-owner-occupied properties only. Funds must be used for investment purposes like acquiring, rehabbing, or refinancing an investment property.

Exit Strategy

You'll need a clear plan to repay the loan, typically by selling the property or by refinancing it into a long-term loan.

Quick, Flexible Hard Money Loans for Real Estate Investors

Accolend is a private, direct lender, providing short-term real estate loans for real estate investors. Our investment property loans make it easy to secure capital for Fix and Flip projects, Ground-Up constructions, and Bridge loans. As a hard money lender, we offer real estate investor financing with quick approvals, no-points loan options 7-15 day closings. We do not charge any upfront fees when you apply for our hard money loans.

Apply Now

One of the key benefits of hard money loans is that they focus on the value of the property rather than your credit history. At Accolend, we require a minimum credit score of 620, which is significantly lower than what traditional banks require. This makes it easier for investors to get approved for fast real estate financing without having a perfect credit score.

The typical loan term for a hard money loan is 6 to 24 months, depending on your project type. Whether you are working on a Fix and Flip or a new construction, Accolend offers flexible terms that align with your investment timeline, helping you maximize returns.

Accolend offers hard money loans for various types of residential properties:

Single Family Homes
Duplexes, Triplexes, and Quadplexes
Multifamily properties
Mixed-Use properties
Condos and Townhomes

Accolend offers hard money loans with a maximum Loan-to-Cost (LTC) of 85%, which means you will need a 15% down payment for most real estate projects. This down payment is based on the project's purchase price and construction costs, ensuring you have the funds you need to complete your investment.

Accolend offers the most competitive rates in the industry for hard money loans, with interest rates typically ranging between 10% and 11% with No-Points. For DSCR loans, our rates start as low as 7%, providing investors with even more affordable financing for rental properties. As a true no-point lender, we ensure you don’t face additional upfront fees, maximizing your investment potential. Our no-points loans help you keep your costs low while securing fast, flexible financing for your real estate projects.

At Accolend, we pride ourselves on our fast closing process. You can close on a hard money loan in as little as 7-15 business days. This speed is ideal for real estate investors who need to act quickly in a competitive market.

Yes! Hard money loans are often used to refinance real estate properties. Whether you're looking to cash out on an existing investment or reposition your portfolio, Accolend’s refinance loans give you the flexibility to adjust your financing structure. With fast approval and flexible terms, refinancing with a hard money loan can help you scale your real estate portfolio. Hard money lenders play a crucial role in real estate investing, and Accolend is committed to providing capital with speed and efficiency.

Hard money loans are short-term, asset-based loans typically used by real estate investors. Unlike traditional bank loans, hard money loans focus on the value of the property you purchase or renovate, not your credit score or income. These loans provide quick access to capital for projects like Fix and Flips, Ground-Up constructions, or Bridge loans, making them ideal for those needing fast and flexible financing.

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