---
title: Where We Lend | The Investor's Edge
description: We currently serve 39 out of 50 states in the United States for real estate investing. Get a breakdown of each state and how we can help you find, fund, and flip a real estate property in your state.
image: https://www.theinvestorsedge.com/hubfs/Logos/New%20Logo/TheInvestorsEdge-NewLogo-Social-300x175.jpg
---

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- 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)
          - [Median Sales Price Historical Chart](https://www.theinvestorsedge.com/median-sales-price-sold-historical-chart)
          - [Median Monthly Rents Chart](https://www.theinvestorsedge.com/median-monthly-rents-chart)
    - Calculators 
          - [Advanced Deal Analyzer](https://www.theinvestorsedge.com/real-estate-investing-calculators/advanced-deal-analyzer)
          - [ARV Calculator & Property Value Analysis](https://www.theinvestorsedge.com/real-estate-investing-calculators/arv-calculator)
          - [Mortgage Calculator](https://www.theinvestorsedge.com/mortgage-calculator)
          - [Early Mortgage Payoff Calculator](https://www.theinvestorsedge.com/early-mortgage-payoff-calculator)
          - [Amortization Calculator](https://www.theinvestorsedge.com/amortization-calculator)
- Funding 
    - Funding with The Investor's Edge 
          - [Funding Your Next Flip](https://www.theinvestorsedge.com/funding)
          - [Our Funding Process](https://www.theinvestorsedge.com/our-funding-process)
          - [Where We Lend](https://www.theinvestorsedge.com/where-we-lend)
          - [Why Off-Market Properties](https://www.theinvestorsedge.com/off-market-properties)
    - Financing Options 
          - [Hard Money Loans](https://www.theinvestorsedge.com/hard-money-loans)
          - [Gap Financing Ideas](https://www.theinvestorsedge.com/hard-money-loans/gap-financing)
- About Us 
    - About The Investor's Edge 
          - [About Us](https://www.theinvestorsedge.com/about-us)
          - [How We're Different](https://www.theinvestorsedge.com/about-us/how-were-different)
    - What Our Members Are Saying 
          - [Reviews and Success Stories](https://www.theinvestorsedge.com/about-us/reviews)
          - [Recent Fix & Flip Rehabs](https://www.theinvestorsedge.com/rehabs)
- Investing 101 
    - Start Here 
          - [Real Estate Investing For Beginners](https://www.theinvestorsedge.com/real-estate-investing-for-beginners)
    - Finding Properties 
          - [Our Finding Process](https://www.theinvestorsedge.com/our-finding-process)
          - [Find Motivated Sellers](https://www.theinvestorsedge.com/find-sellers)
          - [Market to Motivated Sellers](https://www.theinvestorsedge.com/market-to-motivated-property-sellers)
    - Buying Properties 
          - [Calculate After Repair Value](https://www.theinvestorsedge.com/calculate-after-repair-value)
          - [Estimate Rehab Costs](https://www.theinvestorsedge.com/estimate-rehab-costs)
          - [Calculate Profits](https://www.theinvestorsedge.com/calculate-profits)
          - [Negotiate Offers](https://www.theinvestorsedge.com/negotiate-offers)
    - 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)

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[![New-InvestorsEdgeLogo-ForDark-257x100](https://www.theinvestorsedge.com/hs-fs/hubfs/A%20-%20Logos/New%20Logo/New-InvestorsEdgeLogo-ForDark-257x100.png?width=167&height=65&name=New-InvestorsEdgeLogo-ForDark-257x100.png)![New-TheInvestorsEdgeLogo-ForLight-257x100](https://www.theinvestorsedge.com/hs-fs/hubfs/Logos/New%20Logo/New-TheInvestorsEdgeLogo-ForLight-257x100.png?width=167&height=65&name=New-TheInvestorsEdgeLogo-ForLight-257x100.png)](https://www.theinvestorsedge.com?hsLang=en)

- 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)
          - [Median Sales Price Historical Chart](https://www.theinvestorsedge.com/median-sales-price-sold-historical-chart)
          - [Median Monthly Rents Chart](https://www.theinvestorsedge.com/median-monthly-rents-chart)
    - Calculators 
          - [Advanced Deal Analyzer](https://www.theinvestorsedge.com/real-estate-investing-calculators/advanced-deal-analyzer)
          - [ARV Calculator & Property Value Analysis](https://www.theinvestorsedge.com/real-estate-investing-calculators/arv-calculator)
          - [Mortgage Calculator](https://www.theinvestorsedge.com/mortgage-calculator)
          - [Early Mortgage Payoff Calculator](https://www.theinvestorsedge.com/early-mortgage-payoff-calculator)
          - [Amortization Calculator](https://www.theinvestorsedge.com/amortization-calculator)
- Funding 
    - Funding with The Investor's Edge 
          - [Funding Your Next Flip](https://www.theinvestorsedge.com/funding)
          - [Our Funding Process](https://www.theinvestorsedge.com/our-funding-process)
          - [Where We Lend](https://www.theinvestorsedge.com/where-we-lend)
          - [Why Off-Market Properties](https://www.theinvestorsedge.com/off-market-properties)
    - Financing Options 
          - [Hard Money Loans](https://www.theinvestorsedge.com/hard-money-loans)
          - [Gap Financing Ideas](https://www.theinvestorsedge.com/hard-money-loans/gap-financing)
- About Us 
    - About The Investor's Edge 
          - [About Us](https://www.theinvestorsedge.com/about-us)
          - [How We're Different](https://www.theinvestorsedge.com/about-us/how-were-different)
    - What Our Members Are Saying 
          - [Reviews and Success Stories](https://www.theinvestorsedge.com/about-us/reviews)
          - [Recent Fix & Flip Rehabs](https://www.theinvestorsedge.com/rehabs)
- Investing 101 
    - Start Here 
          - [Real Estate Investing For Beginners](https://www.theinvestorsedge.com/real-estate-investing-for-beginners)
    - Finding Properties 
          - [Our Finding Process](https://www.theinvestorsedge.com/our-finding-process)
          - [Find Motivated Sellers](https://www.theinvestorsedge.com/find-sellers)
          - [Market to Motivated Sellers](https://www.theinvestorsedge.com/market-to-motivated-property-sellers)
    - Buying Properties 
          - [Calculate After Repair Value](https://www.theinvestorsedge.com/calculate-after-repair-value)
          - [Estimate Rehab Costs](https://www.theinvestorsedge.com/estimate-rehab-costs)
          - [Calculate Profits](https://www.theinvestorsedge.com/calculate-profits)
          - [Negotiate Offers](https://www.theinvestorsedge.com/negotiate-offers)
    - 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)

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# Where We Lend

## The Best Hard Money Lenders For Real Estate Investors in 39 States

A hard money loan, bridge loan, or private loan can vary from state to state.

Namely, loan terms such as the lending rate, loan-to-value ratio, and the min/max loan amount depend on conditions in the lending state.

This **variance is caused by a combination of regional real estate investing market conditions** and state laws related to real estate investment.

For these reasons, nationwide hard money lenders such as ourselves must offer custom terms to suit each region.

![The Best Hard Money Lenders For Real Estate Investors in 45 States](https://www.theinvestorsedge.com/hubfs/Blog%20Media/STEER-CLEAR-Tip-7-If-you-give-a-house-an-add-on%E2%80%A6-1.jpg "The Best Hard Money Lenders For Real Estate Investors in 45 States")

[GET PREQUALIFIED FOR 100% FINANCING](https://www.theinvestorsedge.com/hard-money-loans?hsLang=en#application)

## Can I Get A Loan Even If I Have Bad Credit?

Great news!

Yes, we can fund a fix & flip investment for you even if you have bad credit.

Hard money lenders pay less attention to credit score than a traditional bank, and your current score has no bearing on whether you can get funding with us.

[GET PREQUALIFIED FOR 100% FINANCING](https://www.theinvestorsedge.com/hard-money-loans?hsLang=en#application)

![Can I Get A Loan Even If I Have Bad Credit?](https://www.theinvestorsedge.com/hubfs/Website%20Images/gauge.webp "Can I Get A Loan Even If I Have Bad Credit?")

## Loan Types

We’ve completely designed our hard money lender services around the needs of real estate investors. We are currently offering:

**- Low Cash-To-Close Fix & Flip Loans:** Our low cash-to-close residential rehab are for single-family residences with a max loan amount of $350,000 or FHA loan limits.

**- Traditional Residential Rehab Loan:** We can fund your fix and flip with a down payment and lower interest rates than our no money down options.

**- BRRR Loans:** After you find and rehab a property, we can help you secure a conventional loan with one of our partners who require little-to-no rental history.

**- Refinance Loans:** We can refinance the loan on your existing property and give you all the money you need to complete repairs needed before selling.

[GET PREQUALIFIED FOR 100% FINANCING](https://www.theinvestorsedge.com/hard-money-loans?hsLang=en#application)

![Loan Types](https://www.theinvestorsedge.com/hubfs/Website%20Images/conducting-negotiations-with-business-partner-JK4ZJ9W-scaled.webp "Loan Types")

## We currently serve 39 states to help you Find, Fund, and Flip Real Estate.

**Find Your State Below:**

[Alabama](https://www.theinvestorsedge.com/hard-money-loans/alabama?hsLang=en)

[Arizona](https://www.theinvestorsedge.com/hard-money-loans/arizona-hard-money-loans?hsLang=en)

[Arkansas](https://www.theinvestorsedge.com/hard-money-loans/arkansas-hard-money-loans?hsLang=en)

[Colorado](https://www.theinvestorsedge.com/hard-money-loans/colorado-hard-money-loans?hsLang=en)

[Connecticut](https://www.theinvestorsedge.com/hard-money-loans/connecticut-hard-money-loans?hsLang=en)

[Delaware](https://www.theinvestorsedge.com/hard-money-loans/delaware?hsLang=en)

[Florida](https://www.theinvestorsedge.com/hard-money-loans/florida-hard-money-loans?hsLang=en)

[Georgia](https://www.theinvestorsedge.com/hard-money-loans/georgia?hsLang=en)

[Illinois](https://www.theinvestorsedge.com/hard-money-loans/illinois?hsLang=en)

[Indiana](https://www.theinvestorsedge.com/hard-money-loans/indiana?hsLang=en)

[Iowa](https://www.theinvestorsedge.com/hard-money-loans/iowa-hard-money-loans?hsLang=en)

[Kansas](https://www.theinvestorsedge.com/hard-money-loans/kansas?hsLang=en)

[Kentucky](https://www.theinvestorsedge.com/hard-money-loans/kentucky?hsLang=en)

[Louisiana](https://www.theinvestorsedge.com/hard-money-loans/louisiana?hsLang=en)

[Maine](https://www.theinvestorsedge.com/hard-money-loans/maine-hard-money-loans?hsLang=en)

[Maryland](https://www.theinvestorsedge.com/hard-money-loans/maryland?hsLang=en)

[Massachusetts](https://www.theinvestorsedge.com/hard-money-loans/massachusetts?hsLang=en)

[Michigan](https://www.theinvestorsedge.com/hard-money-loans/michigan?hsLang=en)

[Mississippi](https://www.theinvestorsedge.com/hard-money-loans/mississippi-hard-money-loans?hsLang=en)

[Missouri](https://www.theinvestorsedge.com/hard-money-loans/missouri?hsLang=en)

[Montana](https://www.theinvestorsedge.com/hard-money-loans/montana-hard-money-loans?hsLang=en)

[Nebraska](https://www.theinvestorsedge.com/hard-money-loans/nebraska-hard-money-loans?hsLang=en)

[New Hampshire](https://www.theinvestorsedge.com/hard-money-loans/new-hampshire-hard-money-loans?hsLang=en)

[New Jersey](https://www.theinvestorsedge.com/hard-money-loans/new-jersey?hsLang=en)

[New Mexico](https://www.theinvestorsedge.com/hard-money-loans/new-mexico?hsLang=en)

[New York](https://www.theinvestorsedge.com/hard-money-loans/new-york-hard-money-loans?hsLang=en)

[North Carolina](https://www.theinvestorsedge.com/hard-money-loans/north-carolina?hsLang=en)

[Ohio](https://www.theinvestorsedge.com/hard-money-loans/ohio?hsLang=en)

[Oklahoma](https://www.theinvestorsedge.com/hard-money-loans/oklahoma-hard-money-loans?hsLang=en)

[Pennsylvania](https://www.theinvestorsedge.com/hard-money-loans/pennsylvania?hsLang=en)

[Rhode Island](https://www.theinvestorsedge.com/hard-money-loans/rhode-island-hard-money-loans?hsLang=en)

[South Carolina](https://www.theinvestorsedge.com/hard-money-loans/south-carolina?hsLang=en)

[Tennessee](https://www.theinvestorsedge.com/hard-money-loans/tennessee-hard-money-loans?hsLang=en)

[Texas](https://www.theinvestorsedge.com/hard-money-loans/texas?hsLang=en)

[Virginia](https://www.theinvestorsedge.com/hard-money-loans/virginia?hsLang=en)

[Washington](https://www.theinvestorsedge.com/hard-money-loans/washington-hard-money-loans?hsLang=en)

[Washington DC](https://www.theinvestorsedge.com/hard-money-loans/district-of-columbia?hsLang=en)

[West Virginia](https://www.theinvestorsedge.com/hard-money-loans/west-virginia-hard-money-loans?hsLang=en)

[Wisconsin](https://www.theinvestorsedge.com/hard-money-loans/wisconsin-hard-money-loans?hsLang=en)

[Wyoming](https://www.theinvestorsedge.com/hard-money-loans/wyoming-hard-money-loans?hsLang=en)

**Note:** We currently don't serve California, Nevada, Utah, Alaska, Minnesota, North Dakota, South Dakota, Vermont, Oregon, Idaho and Hawaii due to legal constraints. We are working hard to solve these issues and hope to offer service in these 11 states soon.

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:

<https://linkedin.com/company/theinvestorsedge><https://www.youtube.com/@theinvestorsedge><https://www.instagram.com/theinvestorsedgerei/><https://www.facebook.com/theinvestorsedgerei><https://twitter.com/InvestorsEdge_>

© 2026 DHM Industries, Inc. dba The Investor's Edge. All rights reserved.

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