Hard Money Loan FAQ
Straight answers on what we need, how fast we fund, and what our loans look like. If a bank passed on your deal or you are up against a closing date, this is the spot we were built for.
48hr
Fast Close
65%
Max LTV
13%
Rate Starts
$0
Upfront Fees
B Borrower FAQs
No. We are a true asset-based lender. No credit check or detailed application forms are required — lending decisions are based on the value of the property as collateral.
MAI appraisal, title report (from Stewart or Chicago Title), and survey. No credit checks or extensive financial documentation — we are a true asset-based lender.
We can close in as fast as 48 hours to 5 business days after receiving all required documentation. Preliminary decisions are made within 24 hours.
Our loans range from $400,000 to $5,000,000 in non-judicial foreclosure states. In judicial foreclosure states, our minimum loan amount is $800,000.
65% LTV maximum. For raw land, we lend at 25-30% LTV. Every loan is backed by an MAI appraisal to confirm property value.
Interest rates start at 13% with loan points of 3-4%. Maturity runs 1 to 5 years, amortization is interest-only or 25 years, and the prepayment penalty ranges from 0% to 2%. Final pricing is set in your Letter of Interest and loan documents.
No. There are no application fees or due diligence fees due upfront. The borrower pays for the MAI appraisal, but no other fees are required before closing.
Commercial, Multi-Family, Industrial, Retail, Hospitality, Medical, Self Storage, and more. Single family is available for experienced investors, and raw land is lent at 25-30% LTV.
Acquisition, refinance, rehabilitation, and equity cash out of investment and commercial properties. We make loans when institutional or conventional loans are too slow or unavailable.
Nationwide. We provide short-term private mortgage financing across the United States, secured by investment and commercial real estate.
Executive summary, property identification, approximate value, loan amount requested, length of ownership, and purchase contract (if applicable). We can give a preliminary decision within 24 hours.
K Broker FAQs
Yes. Brokers earn substantial commissions on every funded loan, with the potential to earn $250,000+ annually. You can close more deals that conventional lenders reject and specialize in commercial and investment real estate.
Decisions within 24 hours. We reduce the time spent on loan approvals so you can close loans that others cannot.
I Investor FAQs
Each loan is owned by a separate series of a Texas Series LLC, isolating your investment. You invest in the Series LLC, not directly in the notes, providing additional legal protection.
Yields range from 10-14% on trust deeds secured by real property with LTV below 65%. Monthly interest payments via ACH, less a 1% annual servicing fee.
$50,000 minimum. You can invest through self-directed retirement funds. Each opportunity comes with full documentation including appraisals and title reports.
No management fees. The manager is compensated through origination fees and a 1% annual servicing fee, aligning our interests with yours.
Have a deal in front of you?
There is no application fee and no credit pull to get a preliminary read. Send us the deal and we will tell you what we can do with it.
Prefer to read the full guidelines first? See our Loan Programs page.
Rates, points, and terms shown here are estimates based on information available at the time and are subject to full underwriting, verification, and property-specific factors. Nothing on this page is a commitment to lend. Final pricing is set in the Letter of Interest and loan documents. PMF Partners originates loans for business, commercial, and investment purposes only, secured by non-owner-occupied real estate. We do not make consumer-purpose loans.
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