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Determining and Explaining Your Hard Money Exit Strategy
When you approach a hard money lender with a project, it is crucial that you know your plan and are able to explain it concisely. A hard money lender will be further impressed by a short write-up, also known as an Executive Summary. An Executive Summary typically includes the amount of your loan request, the reason for your request, a timeline of the property or project including how much cash you’ve invested, the date it was acquired, and the cost.

The Executive Summary does not need to be lengthy (in fact, if it’s too long, it most likely won’t get read), but it should be very detailed. Your exit strategy is of vital importance because, as previously mentioned, most hard money lenders are not in the business of acquiring property, and they do not want to own your property. They expect performance and repayment according to the loan terms.

Credit isn’t everything, but it tells a story
We realize that one reason you may need a hard money loan is because of credit issues. That is why it is not the most important underwriting criteria. But recognize that is will be used in understanding your character. For example, did you lose a job? Get a divorce? There’s always a story behind a credit report and we want to hear it.

A hard money lender will often review your credit history, including your current credit score, when assessing your loan request. If you have foreclosures, bankruptcies, liens, or collections, you will be asked to provide necessary background for those items.

Your current and past reliability in loan repayment will be reviewed. Hard money lenders do not rely solely upon your credit history to determine your loan approval status, but it does help them to determine your ability to repay the loan and your credit worthiness.

Your proposed exit strategy should be “in line” with your credit, financials, etc. Make sure you clearly spell out to the lender whether you will be:

1) buying, rehabbing and reselling

2) buying, holding and refinancing

3) buying, holding and paying loan off through other resources (inheritance, other business venture, sale of other property, etc.)

Now that you have been introduced to hard money, what hard money lenders do, and how they will evaluate you and/or your property, let’s get you approved. Your business is real estate investing, not jumping through hoops so our application process is easy. Apply for your own hard money loan here

No Muss, No Fuss Loans. Unlike other lenders, we use our own money and focus on the value of the home, resulting in a fast and easy approval process remarkably free of hoop-jumping. Simply complete an application, provide an appraisal and clear title, and we’re ready to roll.

 

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Fast Easy Business Funding and Investment Lending for Owners & Investors“Flexible underwriting allowed me to close fast even with a foreclosure and bankruptcy on my record. They find ways to approve loans, rather than finding ways to reject them.”


 
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