Attention Startups, Entrepreneurs, Business Owners & Real Estate Investors With a 700+ Credit Score Who Want To Use Funding To Scale

Real Estate Investors need Fix and Flips, Rental Properties, Rehab, or Refinance? Click Here

Acquire $50,000 - $250,000 in unsecured 0% funding

Basic Requirements Needed: 700+ FICO Credit Score and 6+ Month Old Business Age (if You Are Not A Real Estate Investors, Business Owner, Or Entrepreneur Who Wants To Use Funding To Scale - Do NOT Request Information)

Real Estate Hard Money Loans

We help seasoned and beginner real estate investors by providing short-term mortgage solutions to acquire fix and flips, rental properties, rehab, or refinance commercial properties all across the United States

Email us at kusuma@getlineofcredit.com with the answers to these questions and we will give you a quick estimate:

  1. Do you currently have a specific real estate project (acquisition or refinance) you are looking to fund?
    • Yes, I have a property identified or under contract.
    • No, but I am actively looking for a property.
    • Not currently, just exploring options.
  2. What is the property address, and what type of property is it (e.g., Single Family Home, Multi-Family with X units, Retail, Office, etc.)?
    • Single Family (non-owner occupied), Duplex, Triplex, Fourplex, Retail, Office, Warehouse.
    • Multi-Family with 5+ units, certain special-use properties.
    • Owner-occupied residence, Raw vacant land, Rural property.
    • Property with known “funky” issues (built on multiple lots, shared lot with other homes, former non-standard use like office converted from residential in a non-commercial zone).
  3. How soon do you need to close on this project?
    • Within 3-7 days
    • Within 2-4 weeks
    • More than 4 weeks / No strict timeline
  4. What is your estimate of your middle credit score?
    • 650 or higher
    • 600 – 649
    • 550 – 599
    • Below 550
    • Prefer not to say / Don’t know
  5. How many investment properties (specifically fix-and-flip if that’s the deal type) have you successfully closed in the last 3 years?
    • 3 or more
    • 1-2
    • None / This is my first deal
  6. What amount of liquid assets do you have available (e.g., in a bank account)?
    • Enough to cover estimated closing costs, required down payment/equity, AND 6-8 months of estimated loan payments as reserves
    • Enough for closing costs/down payment, but tight on reserves
    • Insufficient funds to cover estimated closing costs and down payment
  7. For an acquisition: What is the purchase price, your estimated rehab cost, and what do you believe the After-Repair Value (ARV) will be? OR For a refinance: What is the estimated current value of the property and the amount owed on existing mortgages?
    • Acquisition: ARV calculation shows the required loan amount (Purchase + Rehab) is well within the lender’s max LTV (e.g., Purchase + Rehab < 70% of estimated ARV) AND Rehab cost is reasonable relative to Purchase Price.
    • Acquisition: ARV calculation shows the required loan amount is near the max LTV (e.g., Purchase + Rehab is between 70-75% of estimated ARV) OR Rehab cost is high relative to Purchase Price.
    • Acquisition: ARV calculation shows the required loan amount exceeds the lender’s max LTV OR Rehab cost outweighs the Purchase Price.
    • Refinance: Estimated value shows significant equity to support the desired loan amount within LTV limits (e.g., desired loan amount < 60-80% of estimated value).
    • Refinance: Estimated value shows limited equity, meaning the desired loan amount is near or exceeds max LTV.

Beyond these initial questions, please send these information to speed things up:

  • Preliminary Loan Application (ask us on email)
  • Executed Purchase Agreement (if applicable)
  • Detailed Rehab List (if applicable)
  • Current Photos (Interior & Exterior)
  • Three Comparable Sales (Comps)
  • Addresses of Past Investment Properties (if applicable)
  • Proof of Funds/Bank Statements (usually 3 months)

Real Estate Loans – Frequently Asked Questions

  1. Where can I submit a loan scenario? Via e-mail to kusuma@getlineofcredit.com
  2. Where do you offer financing? In all 50 states, in areas that are not too rural. International financing is not available.
  3. What type of properties do you finance? Single-family homes, multifamily, condos, townhouses, offices,
    industrial/warehouse, mixed-use, retail, and more. We currently do NOT lend on primary residences, land, or mobile homes.
  4. What is the minimum credit score? It varies depending on the loan program, but we do have no credit check options.
  5. How quickly can transactions close? The general range is 2 to 4 weeks, depending on factors such as: receiving required transaction information, underwriting, appraisal, title work, and providing documents needed for final approval/closing.
  6. Are there closing costs? Yes, all transactions will have closing costs, which may include: origination & underwriting fees, legal & title fees, property insurance, applicable taxes, etc. These vary for each loan scenario and are disclosed upfront.