Hard Money Loan
Get quick cash with our Hard Money Loans for real estate investors. Enjoy flexible terms, competitive rates, and an easy application process.
Loan Fees
- *Interest Rates starting at 10.99% (interest-only payments)
- **As low as 1.99% origination (depends on deal and location)
- Appraisal Fee: $600 on average (varies by market and turnaround time needed)
- Document Review Fee: $600.00
- Processing Fee: $650
- Credit Review Fee: $120
- Flood Certificate Fee: $15
Loan Terms
- A mortgagee’s title policy is required.
- An insurance policy is required on all loans for the loan term.
- Up to 75% of the After Repaired Value in Rental properties (excluding points and fees), not to exceed 100% of cost *Proof of Refinance Required
- Up to 70% of the After Repaired Value on Flips (excluding points & fees), not to exceed 100% of the cost.
- 9-month term
- 3-month optional extension (extension fees may apply)
Your Financial Solutions
At Vangel Capital Group, we provide tailored lending solutions, including DSCR, business, and bridge loans, designed to meet your unique needs.
Borrower Eligibility Criteria for Loan Approval
- Minimum Median Credit Score of 620
- Minimum of $15,000 or more in a Checking, Savings, IRA and/or 401(k) account
- No Recent Bankruptcy or Foreclosures (subject to review by Vangel Capital Group)
Comprehensive Guidelines for Establishing Property Selection Criteria
At Vangel Capital Group, we understand the importance of time. Our streamlined application process ensures that you can quickly apply for DSCR loans, business loans, bridge loans, and fix-and-flip funding. Get the capital you need, faster.
- First Liens Only
- Single-family, 2-4 unit, townhomes (no condominiums or manufactured homes).
- Our loans are made on the After-Repaired Value (ARV)
- Properties should be located in or around suburban and/or major metropolitan areas
- Vangel Capital reserves the right to adjust advance rate requirements as deemed necessary.
Secure Your Investment with Proper Appraisals & Insurance
At Vangel Capital Group, we require a professional appraisal to determine the After Repaired Value (ARV) of the property. Additionally, borrowers must maintain adequate insurance coverage throughout the loan term to protect their investment and ours. This ensures that both parties are protected against unforeseen circumstances.
- Professional Appraisal: Required to determine ARV.
- Insurance Coverage: Must be maintained throughout the loan term.
- Risk Mitigation: Protects both borrower and lender.
Unlock Your Venture's Potential with Vangel Capital Group
At Vangel Capital Group, we provide more than just capital; we offer strategic partnerships and expert guidance to help your venture thrive. Our tailored approach ensures your unique needs are met with precision and care.
- Customized Funding Solutions
- Expert Guidance and Support
- Streamlined Application Process
