Welcome to Hard Money Mike

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.
Our team also prides itself on offering you

At the end of the day, we want to help you thrive, succeed, and prosper!

Our base rate is currently 9.99% for flips and rental flips

Start analyzing your project’s financing with our Loan Optimizer.

States we are in.

We have options for you in all 50 states but we are currently concentrating in the states: