Private Money / Hard Money
22. Seconds 23. Interest-Only Payments
7. Min # Mos. Since Bankruptcy or Foreclosure
1. Purchase Max LTV% 2. Rate & Term Refi Max LTV% 3. Cash-Out Refi Max LTV% 4. 2nd Mortgage Max CLTV% 5. Min FICO 6. Max Term (Months)
17. Bridge Loans 18. Fix-and-Flip 19. DSCR Loans 20. Rehab/Remodel 21. Foreclosure Avoidance
11. Single-Family Residence 12. Condominiums 13. Townhomes 14. 2-4 Units 15. Manufactured/Mobile Home 16. Land/Lot
8. Owner-Occupied 9. Non-Owner-Occupied 10. Vacation Homes
24. Blanket Loans 25. Portfolio Loans
Lender Name and Contact Info
Min/Max
1
2 3 4 5 6 7
8 9 10 11
12 13 14 15 16 17 18 19 20 21
22 23 24 25
Hilton Financial Corp. www.hiltonloans.com Jack Hilton (602) 375-8951 jack@hiltonloans.com
30K / 600K 69 69 69
Y
Y Y Y Y Y Y Y Y
Y
Y
Non-owner-occupied real estate loans only. Lending in AZ & UT with B2B loans also available in CO, HI, OH, TN, & TX. Lending Territory: AZ CO HI OH TN TX UT
Kiavi Funding Inc. www.kiavi.com/broker Mike Vandenberg (844) 415-4663 brokers@kiavi.com
100K / 2.5M 95 70 70
24
Y
Y Y Y Y
Y Y
Y
Y
With more than $16B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors. Lending Territory: Nationwide except AK DE HI IA ID LA ME MS MT ND NE NH NM RI SD UT VT WY
LendingOne LLC www.lendingone.com
70K / 3M 92.5 80 75
680
Y
Y Y Y Y
Y Y Y Y
Y Y Y
Whether you have 2 or 2,000 properties, we make lending easy. Connect to your local direct lending expert today! Lending Territory: Nationwide except ND SD AK NV
Mark Zummo-Hurley (561) 257-2870 mzummohurley@lendingone.com
M & M Private Lending Group LLC www.mmprivatelending.com (719) 284-9166 loans@mmprivatelending.com Paces Funding www.pacesfunding.com Charles Kennedy (404) 814-1644 charles@pacesfunding.com
90K / 55M 65 65 65
36
YYYYYYYYYY
Y
Y
Hard money loan specialists. Collateral based, zero documentation, hard money. Florida, Colorado and New York. NMLS # 860339 Lending Territory: CO FL NY
100K / 20M 90 70 70
12
Y
Y Y Y Y
Y Y Y Y Y
Y Y
We are a direct hard money lender to real estate investors. 12 month loans. Fix and flip, new construction, cash out, and commercial. Lending Territory: Nationwide
Persevere Lending www.perseverelending.com Damon Bowers (925) 837-1314 damon@perseverelending.com
50K / 5M 75 75 75 75
18
Y Y
YYYYYYYYYYYYYYY
Specializing in arranging strategic, creative, and short-term real estate collateralized loans for borrowers. Lending Territory: Nationwide
Lender Name and Contact Info
Min/Max
1
2 3 4 5 6 7
8 9 10 11
12 13 14 15 16 17 18 19 20 21
22 23 24 25
RCN Capital www.rcncapital.com (860) 432-5858 info@rcncapital.com
50K / 2M 90 80 75
660 360 24
Y
Y Y Y Y
Y Y Y Y
Y
Y
Short-term and long-term private money financing options available. Lending Territory: Nationwide except AK ND NV SD VT
Red Rock Capital www.fundwithredrock.com Sales Team (719) 900-5400 loans@fundwithredrock.com Redwood Mortgage www.redwoodmortgage.com (800) 659-6593 rmc@redwoodmortgage.com Taylor Made Lending LLC www.taylormadelendingllc.com (954) 614-5109 jm@tmlending.com Velocity Mortgage Capital www.velocitymortgage.com Jason Haye (866) 505-3863 info@velocitymortgage.com Veristone Capital www.veristonecapital.com Travis Wandell (425) 503-3897 travisw@veristonecapital.com
75K / 5M 90 80 80 75 600 360
Y Y Y Y Y Y
Y Y Y Y
Y Y Y Y
Broker focused team ready to prioritize your next loan. We offer fast closings & great service. Self-Directed IRA Non-Recourse loans! Lending Territory: Nationwide except AZ CA ID MN ND NV OR SD UT VT
200K / 7.5M 75 75 75 70
180
Y Y
Y Y Y Y
Y
Y Y Y
Direct, private lender since 1977. Brokers protected, Broker friendly. CA - Metro areas preferred. Lending Territory: AZ CA
100K / 5M 65 65 65
36
Y
Y Y Y Y
Y Y
Y
Y
We are a hard money lender up to $5M. Fast underwriting on commercial and residential property. 5 day funding. Lending Territory: FL Only
75K / 2M 75 75 75
360
Y
Y
Y
Y
Y
100% Business Purpose Product. We offer, short term, long term and fix and flip. Lending Territory: Nationwide except MN ND SD VT
75K / 10M 90 70 70
580
Y
Y Y Y Y Y
Y Y
Y
Y
Y
Veristone tailors each loan to meet the borrower's needs as we understand each rehab project is unique. Lending Territory: WA OR ID UT CO TX AZ MT WY SD OK MO AR MS AL GA TN KY MI VA NH NM IA IN OH PA NY NJ FL
25
Scotsman Guide | February 2026
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