Hard Money Loans

Hard Money Loans

Hard money loans are non-owner occupied, business purpose, investment loans. Loans are typically in 6, 9 or 12 month terms, interest only, with balloon payments due at maturity. These loans are higher interest rates, but close quickly with significant flexibility on the underwriting and qualification standards. Loans are normally repaid through a refinance or the sale of the renovated property. 

Through our affiliate company, Easy Street Capital (www.easystreetcap.com), Nicon Advisors is able to offer direct lending services to qualified borrowers. Loans can close in as quickly as 3 days. This affords the investor borrower an opportunity to compete with cash buyers who can otherwise command a discounted purchase price. Easy Street Capital has significant experience in fix and flip as well as other bridge loan lending. 

Current Guidelines:

  • 20%+ down payment
  • 660+ fico
  • California and Texas
  • $1,000,000 loan size limit
  • LLC, Corporate or Individual borrowers

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