Advice From a Direct Lender - How To Get a Real Estate Hard Money Loan

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Издатель Jan 21, 2026

New real estate investors miss this all the time: hard money loans are for properties that need work, not turnkey rentals. In this video, I break down the simple equation I use as a direct lender to quickly determine if a deal is fundable, plus the exact documents I expect during underwriting.

You will learn:
How to estimate ARV using comps and your own due diligence
The lender math for a long term rental
ARV times 70 percent equals purchase plus rehab
The lender math for a fix and flip
ARV times 80 percent equals purchase plus rehab
A real example deal breakdown and why tighter margins get risky
Cash reserve expectations for closing costs and rehab coverage
The minimum underwriting docs I need before I can approve anything
What happens after approval, from title to insurance to closing

*Learn more about my investment fund targeting 8% to 12% fixed returns*
https://www.zipcapitalfund.com/

*QUICK 2-minute loan application*
https://www.zipcapitalfund.com/loan-request

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This video is for educational and informational purposes only and is not tax, legal, or accounting advice. Every situation is different, and tax laws can change, so you should consult your CPA or qualified tax professional before taking action based on anything in this video.