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We are different from the average hard money lender in that we are not merely asset based. We don’t have a minimum credit score, but good credit (or a cosigner) is required. We consider the whole picture without arbitrary restrictions. We look for borrowers that are able to have cash and/or collateral in the transaction, and for projects that will make sense for the borrower. Our decision to lend is based on:

  • The credit worthiness/financial strength of a borrower

  • The real estate/construction experience of the borrower

  • The LTV/ARV of a specific transaction