We can help you get bank approved.
Looking for a traditional loan or a DSCR loan?
Hard Money Mike is focused on YOU, the real estate investor. When you turn to us for a loan, you can expect:
Human-to-Human Contact
You’ll always speak with a real, live person. No run around, no automated systems. We genuinely care about you, your goals, and your future.
Fast Answers & Underwriting
You can always expect quick responses and turnaround times from our hands-on team. Our goal is to provide you with answers and options within 24-hours of applying for a loan.
A Variety of Options
Fix and flips, rental flips, commercial properties, short-term bridge loans, value-add— we provide a variety of in-house lending options for non-owner-occupied properties.
Our team also prides itself on offering you:
- Transparency: We put all of our loan terms in writing upfront. That way you know what to expect from start to finish. No surprises, no hidden fees, no tricks.
- Answers to All of Your Questions: Are you confused or worried about the lending process? No problem. We understand. That’s why we strive to fill in every gap, quiet every fear, and offer answers to every question.
- Credit: No credit checks are required with our in-house funding.
- Income: Nervous about your income? Don’t be. We’re flexible with limited income documents.
At the end of the day, we want to help you thrive, succeed, and prosper!
Our base rate is currently 10.75% for flips and rental flips
GOOGLE REVIEWS
Ronald P
8 months ago
Great to work with. Seamless closing process sand secure portal to load up documents. I am excited to get my first flip funded through them and will plan to use them for several more!
Response from the owner 8 months ago
Ronald, appreciate working with an investor making it happen. Best of luck and look forward to many more deals. Ronald P
8 months ago
Great to work with. Seamless closing process sand secure portal to load up documents. I am excited to get my first flip funded through them and will plan to use them for several more!
Response from the owner 8 months ago
Ronald, appreciate working with an investor making it happen. Best of luck and look forward to many more deals. 
Anthony Pantuso
1 year ago
This was my first time using Mike and his company. They were fun and easy to work with. Will be doing more business in the future. Thank you 👍
Response from the owner 1 year ago
Anthony, thank you for the kind words and wish you the best on your real estate investing.Anthony Pantuso
1 year ago
This was my first time using Mike and his company. They were fun and easy to work with. Will be doing more business in the future. Thank you 👍
Response from the owner 1 year ago
Anthony, thank you for the kind words and wish you the best on your real estate investing.
barry stolbof
2 years ago
Been doing business with Mike for 13 years. Everything has been professional and financially rewarding.
Response from the owner 2 years ago
Barry, thanks for the kind words. It is our pleasure to work with you.barry stolbof
2 years ago
Been doing business with Mike for 13 years. Everything has been professional and financially rewarding.
Response from the owner 2 years ago
Barry, thanks for the kind words. It is our pleasure to work with you.
Paul Strange
3 years ago
I've known and worked with Mike and the team for many years. He's a problem solver and has the client's best interests foremost in mind. If you want the best, you'll choose Mike!
Response from the owner 3 years ago
Thank you very much for your kind words! Paul Strange
3 years ago
I've known and worked with Mike and the team for many years. He's a problem solver and has the client's best interests foremost in mind. If you want the best, you'll choose Mike!
Response from the owner 3 years ago
Thank you very much for your kind words! 
Ashley Stephen
3 years ago
A creative financing team that cares!! I am beyond thankful I found a lender that can see the big picture and helps get your dreams and goals to the next level. Thank you again!!
Response from the owner 3 years ago
Ashley it was and is our pleasure.Ashley Stephen
3 years ago
A creative financing team that cares!! I am beyond thankful I found a lender that can see the big picture and helps get your dreams and goals to the next level. Thank you again!!
Response from the owner 3 years ago
Ashley it was and is our pleasure.
Madison Blaxton
3 years ago
Mike, Sarah, Amy and the rest of the team are amazing. They are true professionals that know the needs of investors at all stages of their careers! The. Best.
Madison Blaxton
3 years ago
Mike, Sarah, Amy and the rest of the team are amazing. They are true professionals that know the needs of investors at all stages of their careers! The. Best.
Justin Loggins
3 years ago
Working with Mike and his team has made this process so easy and such a blessing. We are so thankful! If you need a lender, these are your people!
Response from the owner 3 years ago
Thank you so much for the kind words.Justin Loggins
3 years ago
Working with Mike and his team has made this process so easy and such a blessing. We are so thankful! If you need a lender, these are your people!
Response from the owner 3 years ago
Thank you so much for the kind words.
Jazmine Anderson
4 years ago
Very knowledgeable company, committed to the success of their clients
Jazmine Anderson
4 years ago
Very knowledgeable company, committed to the success of their clients
Bridgette Eckart
4 years ago
I had the pleasure to work with Mike Bonn and his team in the midst of the Covid Pandemic for funding on two investment properties. He was diligent and professional in overcoming obstacles and dealing with unforeseen circumstances which made the entire process seamless. In addition to providing his services, he has an extensive background in real estate investing and was able to provide insight and options for my particular investment strategies. His professionalism is unrivaled and communication is everything you would want it to be. I would highly recommend his services as a hard money lender and look forward to working with him in the future!
Bridgette Eckart
4 years ago
I had the pleasure to work with Mike Bonn and his team in the midst of the Covid Pandemic for funding on two investment properties. He was diligent and professional in overcoming obstacles and dealing with unforeseen circumstances which made the entire process seamless. In addition to providing his services, he has an extensive background in real estate investing and was able to provide insight and options for my particular investment strategies. His professionalism is unrivaled and communication is everything you would want it to be. I would highly recommend his services as a hard money lender and look forward to working with him in the future!
andy merrill
4 years ago
Mike is your go to expert! I had a small problem with a HELOC on investment rental property and with one call Mike had solved the problem. I did 3 fix and flips one buy and hold rental with mike, very easy to work with! If you need a guy in the business of fix n flips buy and holds rentals wholesale deals this is an easy 5⭐️⭐️⭐️⭐️⭐️ Company. I consider myself lucky to have worked with someone so good in the business Thanks Mike! To your success from Costa Rica
andy merrill
4 years ago
Mike is your go to expert! I had a small problem with a HELOC on investment rental property and with one call Mike had solved the problem. I did 3 fix and flips one buy and hold rental with mike, very easy to work with! If you need a guy in the business of fix n flips buy and holds rentals wholesale deals this is an easy 5⭐️⭐️⭐️⭐️⭐️ Company. I consider myself lucky to have worked with someone so good in the business Thanks Mike! To your success from Costa Rica
Austin Ralls
4 years ago
I work with Mike out of Oklahoma and he's great. His team is quick to respond on deals I send them and help give me guidance on every aspect.
Austin Ralls
4 years ago
I work with Mike out of Oklahoma and he's great. His team is quick to respond on deals I send them and help give me guidance on every aspect.
Creek Funding LLC
5 years ago
We can’t say enough great things about the TNS loan team. Their professionalism from the start to end is impeccable. Mike always returns our calls in a timely manner, thinks outside the box with us and helps us get the best value we can get for our loans. We are so happy we’ve built the relationship we have with the whole team. They always send us the nicest cards and really make us feel like we a part of their team too! They are organized and on top of everything. We’ve always had an awesome experience with them!
Creek Funding LLC
5 years ago
We can’t say enough great things about the TNS loan team. Their professionalism from the start to end is impeccable. Mike always returns our calls in a timely manner, thinks outside the box with us and helps us get the best value we can get for our loans. We are so happy we’ve built the relationship we have with the whole team. They always send us the nicest cards and really make us feel like we a part of their team too! They are organized and on top of everything. We’ve always had an awesome experience with them!
Jeremy Mauler
5 years ago
Mike and his team have a strong reputation of never missing a closing. I have used Mike for hard money loans and his service and expertise made the process of funding my flip smooth and painless. Mike and his team bring more value than just funding a deal. They work with you to assure that you succeed and provide valuable knowledge during your project so everyone wins. If you are seeking funding for your first deal or your hundredth deal, go no further. Mike has the experience and resources that many other lenders lack, based on my personal experience. Thanks again Hard Money Mike!!!
Jeremy Mauler
5 years ago
Mike and his team have a strong reputation of never missing a closing. I have used Mike for hard money loans and his service and expertise made the process of funding my flip smooth and painless. Mike and his team bring more value than just funding a deal. They work with you to assure that you succeed and provide valuable knowledge during your project so everyone wins. If you are seeking funding for your first deal or your hundredth deal, go no further. Mike has the experience and resources that many other lenders lack, based on my personal experience. Thanks again Hard Money Mike!!!
Ryan Young
5 years ago
I have a very strict set of guidelines that I follow when developing a relationship with any company no matter what service they offer. However, not only does Hard Money Mike surpass everyone of my critical standards for business, I also get ideas on how I want to run and structure my business as it grows. The customer service I have recieved with Hard Money Mike is never less than 200%, whether my deals are small or large, they treat me like I am their only client. You always meet a face of positive attitude and how can we help, versus someone someone potentially looking down at you. I can reach out on any of my deals with any circumstances and I get met with problem solving, and Mike's team seeing every detail to the smallest through until the deal closes. It literally is a smoother process than walking your dog. What has impressed me the most this year is that Mike took the time to sit down with clients and have an open forum discussion on where they wanted to go with their business in 2021, and how he could help. I personally found out that a lot of investors had the same concern as I did, I learned some ideas and concerns that I hadn't thought about, and we discussed personnel and the ROI on what that could do to my bottom line. Since that meeting I have hired a fully qualified Project Manager, been working with a training a new realtor to represent me versus me representing myself, and put together an additional full trades team. I am on track to double my revenue this year and I owe it all to Hard Money Mike.
Ryan Young
5 years ago
I have a very strict set of guidelines that I follow when developing a relationship with any company no matter what service they offer. However, not only does Hard Money Mike surpass everyone of my critical standards for business, I also get ideas on how I want to run and structure my business as it grows. The customer service I have recieved with Hard Money Mike is never less than 200%, whether my deals are small or large, they treat me like I am their only client. You always meet a face of positive attitude and how can we help, versus someone someone potentially looking down at you. I can reach out on any of my deals with any circumstances and I get met with problem solving, and Mike's team seeing every detail to the smallest through until the deal closes. It literally is a smoother process than walking your dog. What has impressed me the most this year is that Mike took the time to sit down with clients and have an open forum discussion on where they wanted to go with their business in 2021, and how he could help. I personally found out that a lot of investors had the same concern as I did, I learned some ideas and concerns that I hadn't thought about, and we discussed personnel and the ROI on what that could do to my bottom line. Since that meeting I have hired a fully qualified Project Manager, been working with a training a new realtor to represent me versus me representing myself, and put together an additional full trades team. I am on track to double my revenue this year and I owe it all to Hard Money Mike.
Caleb Hicks
5 years ago
Mike & his team have funded 3 of my deals now and I cannot see an end in sight to this partnership! In each deal, I needed funding in a very short time frame, Mike was very responsive and made each tight deadline with ease! I'm not kidding when I say this, it seems like funding my deals is the easiest, smoothest, most stress free part of the whole fix and flip process, because of Mike & his team.
Caleb Hicks
5 years ago
Mike & his team have funded 3 of my deals now and I cannot see an end in sight to this partnership! In each deal, I needed funding in a very short time frame, Mike was very responsive and made each tight deadline with ease! I'm not kidding when I say this, it seems like funding my deals is the easiest, smoothest, most stress free part of the whole fix and flip process, because of Mike & his team.
Welcome to Deals and Blog from Hard Money Mike. Please find below deals we recently closed and wholesale partners.
Hard Money Mike offers loans for fix and flips in Colorado and parts of the Midwest. We offer in-house funded loans with competitive rates.
We can fund up to 100% of the purchase and rehab based on your permanent loan approval you provide.