Hard Money Loans Built for Real Estate Investors

Qualify with rental income. No tax returns. No income ratio.

Apply Now

What Is A Hard Money Loan??

A Hard Money Loan is a short-term, asset-based financing solution designed for investors who need speed, flexibility, and execution certainty.

Unlike traditional lenders, approval is primarily based on the value of the property — not your income, tax returns, or employment history.

When timing is critical and banks move too slow, hard money keeps your deal alive. This makes it ideal for:

Time-sensitive acquisitions
Auction purchases
Distressed property opportunities
Investors with complex financial profiles
Deals that don’t fit conventional lending guidelines

At Asteris Lending, we focus on collateral strength and exit strategy — because in real estate, execution matters more than paperwork.

Built for Speed & Certainty

Fast Closings
Simplified underwriting designed for rapid decisions.

Asset-Based Lending
We evaluate the property value and deal structure — not personal income.

Flexible Structures
Creative scenarios welcome when the deal makes sense.

Are We a Good Fit?

Our Hard Money program is structured to be straightforward and investor-friendly.

Minimum Credit Score

660

Reserves

No reserves

Property Types

SFR, Condo, Townhome, 1–8 Units

Seasoning

6 Months On Refinance

Prepayment Penalty

Optional

Down Payment

15% minimum

Experience

First time investor

Occupancy

Non-Owner-Occupied

Loan Amount

$100K minimum
Up to $3M maximum

Appraisal

Required

How It

Works

Provide basic details on the subject property and projected rental income.

We structure your loan based on DSCR performance and credit profile.

Appraisal completed. Loan documents signed. Capital deployed.

Why Investors Choose
Asteris Lending

This is financing built for operators, not hobbyists.

First-time investor friendly
Qualify using rental income
No personal income verification
Competitive 5.5% starting rates*
Up to 80% LTV
Loan amounts up to $5M
Interest-only options available
Blanket loans available
Reliable 10–21 day closing timeline

Product Type

Hard Money

Experience Required:

First time investor OK

Minimum Credit Score:

660

Liquidity:

15% Down

Reserves:

Not Needed

Prepayment Penalty:

None

Closing Timeline:

7-22 Days

Draw Schedule:

N/A

Rate:

9.99%

Loan-to-Value LTV:

70%

Loan-to-Cost (LTC):

N/A

Loan Term:

12-24 Months Interest Only

Asset Types:

SFR, Condo, Townhome, 1–8 Units

Loan Amount Min:

$100k

Loan Amount Max:

$3M

Product Specifics:

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Number of Units:

1 to 8 Units

States We

Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Frequently Asked Questions

Can I qualify as a first-time investor?

Yes. Prior rental experience is not required.

Do I need to provide tax returns?

No. Qualification is based on the property’s rental income.

Can I refinance an existing rental?

Yes. A 6-month seasoning requirement applies.

Are short-term rentals eligible?

Eligibility depends on documentation and property profile.

Is there a prepayment penalty?

Optional structures are available.

Grow Your Rental Portfolio
with Asteris Lending

Access up to 80% LTV with competitive rates and investor-driven underwriting. Submit your DSCR scenario today and receive terms tailored to your property.

Hard Money Loans Built for Real Estate Investors

LTC

70%

RATE

9.99%

CLOSING

7-22 Days

TERMS

12-24 Months

$100K - $3M
LOAN AMOUNTS

Apply Now