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Why Should You Get A Real Estate Hard Money Loan?

Hard money is a type of loan specifically designed for fix and flippers.

They are short-term, higher interest loans that carry different qualifications than a traditional bank.

A hard money lender will look at the profitability of your deal, not at your debt-to-income ratio or job history. Credit score is also less important.

Even though interest rates are higher than a traditional loan, the total cost of the interest doesn’t ruin deals because it only accumulates over a 5-12 month period (usually). Furthermore, traditional banks won’t lend on fix and flips, partially because the properties are usually run-down fixer-uppers, and partially because they don’t offer loan terms that short. 

In other words, unless you have a few hundred thousand yourself, or a rich uncle willing to give it to you, you’re likely going to get a hard money loan to complete your deal.

Real estate hard money loans

Why You Should Choose The Investor's Edge:

We specialize in helping anyone with desire and work ethic achieve their goals through real estate investing.

As part of that vision, we’ve done our best to remove many of the common barriers other hard money lenders put into place that keep out new investors.

We don’t require a minimum credit score, any experience, or even a set down payment.

For the right deals, we’ll fund up to 100% of all your costs (purchase, rehab, and loan/closing costs).

About 37% of our loans require $0 down from the borrower.

We don’t believe that real estate investing should only be for the rich.

Why you should choose The Investor's Edge
37% of loans are 100% Financed
800 Plus 5-Star Reviews
Average Cash To Close

Help You Find Deals

Between our 100 training videos and deal-finding software, you’ll quickly become a master at finding and closing off-market deals.

Our CEO, Ryan, doesn’t come from a banking or finance background—he has been an active real estate investor for 20 years.

He created our trademark Find-Fund-Flip System to include everything he knows or uses to complete deals (in fact, he’s kind of mad he didn’t have something like this when he started).

Help You Find Deals

30 Real Estate Loan Options

With so many loan options to choose from, your dedicated Loan Advisor can help you figure out which one works for you.

You can pick from most profit, lowest interest, or smallest down payment.

Just another way to show that we’re committed to helping anyone in any situation. 


World-Class Risk Evaluation

Some may argue that we’re too strict on the deals we fund, but there’s a reason our average deal results in $47,884 in take-home profit for the borrower.

We keep you out of bad deals and moving full-steam ahead on the good ones.

World-class risk evaluation

Through The Finish Line

We’re not interested in wiring you the money and then only come calling when payments are due.

You’ll get a Loan Advisor assigned to you to be your single point of contact about your loan.

You’ll also get a former general contractor as your project manager to get you through the rehab process.

This is one reason we’re fine working with new investors—it’s okay if you don’t have the experience because you’ll be working with people who have plenty of it.

More Than A Lender

Our CEO, Ryan G. Wright, started out as a prolific real estate investor, not as a banker.

With one of the most successful real estate investors in the country leading us, you can know that we’ll be uniquely aware of the challenges you face in flipping a property.

We’ll do a lot more than just lend you the money.

We have software to find & evaluate deals.

We have over 100 training videos.

You’ll also get a dedicated loan advisor as well as a former general contractor to help you through the rehab.

We don’t require prior flipping experience because we have the resources to get you through the finish line.

Ryan G. Wright

"We have done 2 deals (so far!) and are amazed at how easy it has been to get hard money when we needed it and the best of monthly payments"

- Marilee

Loan Rates and Details:

No Minimum Credit Score
No Experience Required
Up To 100% Financing
Interest Rates Beginning at 12%
Origination As Low As 3.5%
Lend Up To 75% ARV (After Repair Value)
No Prepayment Penalties
No Payments For 5 Months

"The Investor's Edge has been a great asset to us throughout our lending process. We truly appreciate their great cooperation and work ethic. The Investor's Edge has met all of our quality standards for lending to real estate investors. They are also simply great people to work with, offering outstanding customer service. Again, thanks!"

- Adrena R.

What To Look For In A Hard Money Lender

Speed of Funding – You need your money fast when closing fix and flip deals. Whether you have competition for your deal or your seller is on a deadline, how quickly you can get the money matters.

Total Loan Costs – Some investors get stuck on interest rates, when all that matters is how much total profit you’ll be taking home. If interest rates are a little higher, but the other loan terms are more favorable, that’s the better option.

Loan Requirements – How much experience do they require? What sort of credit score do you need? How big of a down payment will you have to bring?

Fix and Flip Training – Does the hard money lender help you find the sorts of deals they’re willing to fund? Often, new investors will learn from a mentor, find deals, and then find their lender doesn’t want that type of deal. The best place to learn how to find deals is from the people who are going to be funding your deal.

Ongoing Support – Even our experienced borrowers find having a project manager doing weekly virtual walkthroughs with their general contractor extremely helpful.

Where We Lend:

We currently lend in 45 out of the 50 states in the United States.

Because of different restrictions and regulations state-by-state, we can’t lend in every state.

At the moment, we don't lend in California, Nevada, Utah, Alaska, and Hawaii.

"I'm looking for upfront and straightforward. This is the company that you want to work with... My plan is to make about $60,000 on this property."

- Andrea, Illinois

Choose The Investor's Edge

While we do fund deals for experienced investors, our main goal is to help new investors get started.

That’s why we created a sustainable way to do just that with our system. 

Then we put together loan programs that make sense for everyone.

We want to remove barriers to entry for first-time flippers.

We’re focused on your success.

We provide training and software so that you can make a profit in the house flipping business.

We’re willing to take on more risk because we have the experience and systems in place to give you the best chance of success. 

We’ve been in the business for over 20 years and have hundreds of videos and five types of software to help you become an experienced flipper.

Plus, it just makes us happier to give people a shot at financial freedom, as long as they’re willing to work hard.

Let’s work together to flip your first (or next) deal.

Get Prequalified Now For Up To 100% Financing On Your Next Real Estate Deal

Fill out the application for a free pre-qualification consultation. We will discuss your financial goals, see if our 100% financing is a good fit to help your reach your real estate goals, and then answer your questions.