--- title: FAQs - Frequently Asked Questions about Hard Money Loans description: These are frequently asked questions about hard money loans. A hard money loan is a short-term loan, sometimes called a bridge loan. It is not meant for those looking for mortgage loans to buy a home to live in. Rather, these loans are primarily made to real estate investing firms and individuals who flip houses. image: https://www.theinvestorsedge.com/hubfs/Logos/New%20Logo/TheInvestorsEdge-NewLogo-Social-300x175.jpg --- [Skip to content](https://www.theinvestorsedge.com/faq#main-content) [ Close ](https://www.theinvestorsedge.com/faq#) - Courses - House Flipping - [Find Fund Flip System For Houses](https://www.theinvestorsedge.com/find-fund-flip-system) - Land Flipping - [Find Fund Flip System For Land](https://www.theinvestorsedge.com/land-flipping) - Software - Tools & Automation - [The Investor's Edge Software](https://www.theinvestorsedge.com/real-estate-investment-software/investors-edge/) - [Proof of Funds](https://www.theinvestorsedge.com/real-estate-investment-software/proof-of-funds) - [Next Property Roadmap](https://www.theinvestorsedge.com/real-estate-investment-software/next-property-roadmap) - [Mortgage Rate Historical Chart](https://www.theinvestorsedge.com/mortgage-rate-historical-chart) - 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Wholesale Properties - [Find Cash Buyers](https://www.theinvestorsedge.com/sell-properties/find-cash-buyers) - Investing Strategies - [Fixing & Flipping Houses](https://www.theinvestorsedge.com/fixing-and-flipping-houses) - [Wholesale Real Estate](https://www.theinvestorsedge.com/wholesale-real-estate) - [BRRR Method](https://www.theinvestorsedge.com/brrr-method) - [Blog](https://www.theinvestorsedge.com/blog) - [Podcast](https://www.theinvestorsedge.com/incomehacker) CALL US: [(801) 692-7678](tel:+18016927678) Search Suggestions # FAQs ## Frequently Asked Questions What are hard money loans?** A hard money loan is a short-term loan, sometimes called a bridge loan. It is not meant for those looking for mortgage loans to buy a home to live in. Rather, these loans are primarily made to real estate investing firms and individuals who flip houses. What do you need to qualify for a hard money loan?** Very little. With a hard money loan, the property you are purchasing is used as collateral for the loan. Therefore, your creditworthiness is not as important. The Investor's Edge will not ask you for tax returns, pay stubs, or most any other personal financial documents. Other lenders require prior experience and a minimum credit score — but not us. A Hard Money Loan is asset based, so the asset must be protected. This means you **CANNOT** have an active bankruptcy, foreclosure, active judgments, tax liens, or open collections. If you do have these, you would need a credit partner so the courts can't go after the property with the hard money loan. Although you don't need a minimum credit score, we will pull your credit to check for the above conditions. Where do you get a hard money loan?** Banks and traditional lenders do not deal in hard money lending. Hard money loans are only made through private companies and individuals. That’s because a hard money loan is risky, and traditional banks must answer to a board of directors and stockholders. They can’t take chances. How long does it take to get a hard money loan?** Getting a hard money loan is traditionally much faster than getting a traditional loan from a bank. That’s because the lender does not have to verify all your financial information. With The Investor's Edge, you can get a hard money loan in an average of 12 days. Do I need to have a down payment to get a hard money loan?** Not necessarily. Many hard money lenders require 20% to 30% down for hard money loans, but at The Investor's Edge, you can get a no-money-down loan. Not every deal qualifies, but if you are accepted into our Find-Fund-Flip System, we’ll teach you to find the types of deals that qualify. That’s because with our system, we don’t simply lend you the money, we also coach you in how to find good properties and how to rehab and resell them quickly. This makes you less of a risk and more worthy of 100% financing. In the past 12 months, 37% of our loans were 100% financed, with average cash-to-close of just over $2,000 across all deals. What are the advantages of getting a hard money loan?** Getting a traditional mortgage from a bank to rehab a property is difficult because banks don’t want to lend money to homebuyers who are not going to live in the home. Banks that lend this money do so at a higher interest rate, and approval takes so long that you often miss out on the sale. With a hard money loan, you get your cash quickly — within days, regardless of your credit score. Sometimes a hard cash loan is the only avenue available for purchasing an investment property. What makes The Investor's Edge different?** A lot of hard money lenders do not involve themselves in your projects — they are simply lenders. At The Investor's Edge, we believe that we make more money if our borrowers make good investments and good choices regarding rehabs, so we help them learn the ropes. With our Find-Fund-Flip System, we provide you with software to help you find and market to off-market property owners, training for every step, and even provide a former general contractor to guide you through the rehab.   ## Ready To See How It All Works? [Watch our On-Demand Webinar](https://www.theinvestorsedge.com/register?hsLang=en) USEFUL LINKS: --- - [FAQs](https://www.theinvestorsedge.com/faq) - [Areas Served](https://www.theinvestorsedge.com/areas-served) - [Terms of Use](https://www.theinvestorsedge.com/terms-of-use) - [Privacy Policy](https://www.theinvestorsedge.com/terms-of-use/privacy-policy) - [AI Info](https://www.theinvestorsedge.com/ai-info-page) OTHER RESOURCES: --- - [Referral Program](https://www.theinvestorsedge.com/referrals) - [Become A Hard Money Lender](https://www.theinvestorsedge.com/become-a-hard-money-lender) - [Careers](https://www.theinvestorsedge.com/careers) - [Member Login](https://app.theinvestorsedge.com/authentication/login) - [Contact Us](https://www.theinvestorsedge.com/contact) [![New-InvestorsEdgeLogo-ForDark-257x100](https://23711988.fs1.hubspotusercontent-na1.net/hub/23711988/hubfs/A%20-%20Logos/New%20Logo/New-InvestorsEdgeLogo-ForDark-257x100.png?width=150&name=New-InvestorsEdgeLogo-ForDark-257x100.png)](https://www.theinvestorsedge.com?hsLang=en) Keep the conversation going. Connect with us on Social Media: © 2026 DHM Industries, Inc. dba The Investor's Edge. 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In 2023, DoHardMoney.com was rebranded to TheInvestorsEdge.com. The company had outgrown hard money lending alone, since it now offers educational courses, proprietary deal-finding software, and expert support in addition to funding." }, "name" : "Is DoHardMoney.com the same as TheInvestorsEdge.com?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. The education, software, funding, and systems are built to walk a member through their first flip with no prior experience." }, "name" : "Do I need experience in real estate investing to work with The Investor's Edge?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The Investor's Edge recommends having around $10,000 or more for flexibility in closing deals. Deals with substantial equity can qualify for up to 100% funding, meaning qualifying deals can close with $0 in closing costs. The Find-Fund-Flip system also teaches additional ways to close with less than $8,000 of the member's own money." }, "name" : "How much money do I need to get started?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Traditional lenders evaluate the borrower's credit, income, and debt. The Investor's Edge evaluates the deal itself, lends against After Repair Value (ARV), funds faster, and works with rundown properties that conventional loans won't touch. Funding is equity-based and structured as a joint venture." }, "name" : "How is The Investor's Edge funding different from a bank loan?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The Investor's Edge serves real estate investors in 45 of 50 U.S. states, with custom funding terms by region. Membership is not currently offered in California, Nevada, Utah, Alaska, or Hawaii due to legal constraints." }, "name" : "What areas does The Investor's Edge serve?" } ] } ```