Hard Money Lending

Hard money lending is a form of asset-based lending where the loan is secured by the property itself. Unlike traditional bank loans, hard money lenders focus on the value of the property rather than the borrower's credit score. These loans are typically short-term (6-12 months) and carry high interest rates and points. It is a lucrative strategy for investors with significant capital who want to earn high returns while helping other investors fund their projects.

It requires a strong understanding of property valuation and the ability to manage the foreclosure process if necessary.