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What Are Hard Money Loans? (In Plain English)
Forget the fancy financial jargon. Here's the real deal:
Hard money loans are short-term real estate loans (6–24 months) designed to help you buy and renovate properties FAST.
Think of them as your "get your foot in the door" money. While other folks are waiting 30–60 days for a traditional bank to approve them, you're out here closing in 7–14 days and securing the properties that could change your entire financial future.
And here's the kicker—they don't care about your W-2s or whether your credit is spotless. They care about one thing:
Is this property going to make money?
Why Traditional Banks Aren't Built for Us
Let's keep it 100. Traditional banks? They weren't designed with single moms or first-generation wealth builders in mind. They want:
  • Perfect credit scores (740+)
  • Two+ years of tax returns
  • Bank statements dating back to forever
  • Debt-to-income ratios that don't reflect your real life
  • 30–60 day approval processes that make you miss the good deals
Hard money lenders? They get it. They care about the deal—not your past struggles.
How Hard Money Loans Work for Real Estate Investing
Fix & Flip Projects
You find a distressed property for $200,000 that you know will be worth $350,000 after renovations. A hard money lender will typically fund:
  • 70-80% of the purchase price (so you'd get about $140K-$160K for the purchase)
  • 100% of renovation costs (so if you need $50K for rehab, they'll cover it)
  • Fast closing (7-14 days, not 30-60 days)
Buy-and-Hold Rental Properties
Maybe flipping isn't your thing, and you want to build a rental portfolio. Hard money loans can help you:
  • Secure properties quickly in competitive markets
  • Fund renovations to get properties rent-ready
  • Bridge to long-term financing once the property is stabilized
The BRRRR Method
This is where hard money gets REALLY powerful:
Buy
with hard money
Rehab
with hard money
Rent
out the property
Refinance
into a traditional mortgage
Repeat
the process

This isn't about the cost, it's about the OPPORTUNITY.
If you can buy a $200K property, put $50K into renovations, and sell it for $350K in 6 months, you just made $100K. Even after paying higher interest rates and fees, you're looking at serious profit that can fund your next deal.
The Real Talk on Costs
I'm not going to sugarcoat this - hard money loans cost more than traditional loans. Here's what you're looking at:
Interest rates
compared to 4-7% for traditional mortgages
Points/Fees
of the loan amount
Down payment
typically required- but I have a solution for that too
Why Speed Matters More Than Perfect Credit
In real estate, timing is EVERYTHING. Through my network in the industry, I see women missing out on life-changing deals because they're stuck in traditional bank approval processes.
With hard money loans:
1
You can make competitive offers against cash buyers
2
You can close quickly on foreclosure auctions and distressed properties
3
You can take advantage of market opportunities without waiting months for approval
The Questions I Know You're Asking
"But what if I don't have perfect credit?"
Good news - hard money lenders care more about the property than your credit score. Through my broker connections, I work with lenders who approve deals for borrowers with 640+ credit scores when the numbers make sense.
"What if I don't have real estate experience?"
Many of the lenders in my network work with new investors. They want to see that you've done your homework, have a solid plan, and understand the numbers - and I can help with that.
"What if I can't pay it back in 12-24 months?"
Most lenders offer extension options. Plus, the whole point is to either sell the property (flip) or refinance into a traditional mortgage (rental) before the loan comes due.
My Bottom Line for You
Hard money loans aren't for everybody. But if you're:
  • Tired of sitting on the sidelines watching other people build wealth
  • Ready to take action on your real estate goals
  • Committed to learning and executing a solid plan
  • Focused on building something real for your family
Then sis—this might be exactly the bridge you need to get started.
You don't need perfect credit. You don't need $100K sitting in the bank. You need knowledge, determination, and the right connections to make it happen.
I've built those connections so you don't have to.
Why Work With Me?
Here's the truth - you could spend months trying to figure out which hard money lenders are legit, which ones work with new investors, and which ones actually close deals fast.
Or you could work with someone who's already done that legwork.
Work with single mothers and first-time investors
Actually close in 7-14 days (not just promise to)
Offer competitive rates and fair terms
Understand our community and our goals
I'm not just connecting you to any lender - I'm connecting you to the RIGHT lenders.
Let's Get You Connected
You've been thinking about real estate long enough. You've watched the videos, read the books, maybe even attended a seminar or two.
Now it's time to get the right connections.
Because having access to capital is just the first step. Having access to the RIGHT capital, from people who understand your goals? That's how you actually build wealth.
Remember: Being a single mom isn't your limitation—it's your MOTIVATION. Every property you acquire, every deal you close, every dollar you build in equity is you creating a different future for your babies. And I'm here to make sure you have the connections to make it happen.