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Hard Money Loan Programs - Private Money Lending Investment Opportunities

Stratton Equities is the Leading Nationwide Private Money Lender for Real Estate Investors specializing in Hard Money Loan Programs for investment properties. 

Our Hard Money Loan programs are structured to meet your needs, regardless of what type of private money loan you’re looking for, for your investment property. At our flagship location, we have a dedicated team of experienced Loan Officers to help all Real Estate Investors with the hard money loan requirements for their investment property.

As one of the premier hard money lenders in the United States for real estate investors, our borrowers can rely on us to quickly finance their real estate deals, help them grow their business, and provide the best hard money rates!

The Nationwide’s Leading Direct Hard Money Lender

When it comes to real estate investment opportunities Stratton Equities knows how important it is to expedite the financing needed for your project. At Stratton Equities, we offer hard money loans for commercial, and residential properties. Unlike the grueling process of bank mortgages which can take upwards of forty-five days, Stratton Equities can approve your hard money loan and provide you with funds in an average closing time of just 14 days, we are here to quickly assist you every step of the way. 

​A Hard Money Real Estate Loan is simply a short-term loan secured by real estate. Hard money loan lenders, like Stratton Equities, are primarily concerned with the property’s value rather than the borrower’s credit. Whether it's a commercial real estate loan or a residential real estate loan, a Hard Money Loan benefits Borrowers who cannot go to the bank due to their credit. Where the banks say “No”, the hard money and private lenders like Stratton Equities can still say “Yes”.

Ready to Calculate Your Hard Money Loan? Enter Your Details in our Hard Money Loan Calculator.

Hard Money Lenders for Beginners

There is a large amount of real estate investors that struggle with other sources of financing such as traditional mortgages and lines of credit. This is why borrowers choose to work with a Hard Money Loan because this type of program is an asset-based loan, which means the financing is based on the Loan to Value (LTV) of the Asset. 


Unlike other private money loans, a Hard Money Loan does not go through full underwriting, as it doesn’t have many guidelines and criteria there isn’t any minimum FICO requirement for the borrower.

Real Estate Investors who aren’t able to secure financing with a traditional mortgage loan for their investment property, can turn to hard money lenders, like Stratton Equities to obtain funding.   

For both experienced and novice Real Estate Investors, a private hard money loan program is the perfect solution to achieve your real estate investment goals. 

If you’ve never worked with a hard money lender before, here is an overview of hard money lending and a breakdown of a hard money loan.

Hard Money Loans 101

  • Hard Money Loans are for investment properties Only

  • Due to their high-interest rates and costs, they cannot be used for owner-occupied properties – making them ideal for the real estate investor.

  • Hard Money Loans are LTV loans, meaning that they are based on your assets rather than your credit history, and are generally capped at 75% of your asset’s value.

  • The Hard Money Loan requirements and approval process are quick and easy as there are few regulations and no minimum FICO score required.

  • Funding from a hard money loan can be received in as little as 2-3 weeks from applying.

Nationwide Property Types for Hard Money Loans

Applying for a Hard Money Loan is a fast and easy process. First, find an investment property and reach out to a direct private money lender to assess your loan scenario.

Direct private money lenders, such as the Nationwide Direct Private Money Lender Stratton Equities, can provide a Hard Money Loan for the following property types:​

- Single-Family

- Mixed-Use

- Multi-Family

- Commercial

Working with a Hard Money Lender will allow you to have your loan approved in half the time a traditional bank loan takes, with less underwriting and guidelines, allowing you to quickly purchase high-demand investment properties.

​After applying for a loan, the prospective borrower will work directly with a loan officer to discuss their real estate investment dreams and how a Hard Money Loan can help them achieve their goals. Apply today and close in three weeks or less!

Are you looking to finance a real estate investment but cannot get conventional financing due to your reported income, employment, or credit score? A Hard Money Loan might be the right option for you.

For more information, call Stratton Equities at (800) 962-6613, Email Us, or Apply Now for loan pre-qualification today.

Hard Money Mortgage Loan Calculator

Found an investment property and are interested in applying for a loan?

Use our brand-new Mortgage Loan Calculator to calculate the payment process on your Hard Money Loan.  

Hard money is a way for real estate investors and entrepreneurs to borrow without using traditional mortgage lenders. These types of loan programs come from investors who lend money based (for the most part) on the property you’re using as collateral.

This tool figures out the monthly payments, Real Estate Investors will make on their hard money loan. The Hard Money Loan Calculator automatically figures the estimated monthly mortgage payment amount and the total cost of the Hard Money Loan. If you make interest-only payments then your monthly payments will be the interest-only payment amount below with the balloon payment being the original amount borrowed.

The Top 3 Reasons Why You Should Use A Hard Money Loan

Discover the top 3 reasons to use Hard Money with Stratton Equities! Given that our loans are based on the value of an investment property rather than the borrower’s credit, we can fund deals for borrowers who are unable to get conventional financing due to a recent foreclosure or short sale. Find out more on our Top 3 Reasons to Use Hard Money Page!

We have the opportunity to provide you with unique, innovative, and effective loans that aren't available anywhere else - and we are nationwide from coast to coast.


Why use a Direct Private Money Lender?


- Less Underwriting

- Closes Faster (20-25 days)

- Fewer Guidelines

- Access to Endless Capital = Opportunity to Endless Deals

If you have an investment property and would like to speak to one of our Loan Officers, Apply Now!

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