Big plans.
One simple
place to start.
A clear path from deal idea to loan review. Share the property, the project and the exit. We bring your scenario to wholesale lenders.
Quick answer
Hard money is short-term financing for a business-purpose investment property. Hard Money Loan App is a mortgage broker that arranges purchase, rehab and bridge loan scenarios for non-owner-occupied properties, with a planned sale or refinance exit.
- Fix-and-flip, bridge, BRRRR and ground-up construction scenarios
- DSCR refinance exits tested on rent before you buy
- Entity borrowing for non-owner-occupied investment property
- No pricing hype and no approval promises — real files, real answers
Reviewed by Loan Daddy LLC editorial team · Updated October 21, 2026
Your deal, in focus
What are you working on?
Start with the property. Add the numbers. Tell us how to reach you.
How do you move from idea to review?
Bring the deal
Address, purchase price, rehab or build budget, rent story, timeline and exit. Real numbers beat polished decks at this stage.
We shop the fit
As a mortgage broker we arrange and shop your scenario with wholesale lenders whose programs match the property, scope and exit.
Close, build, exit
Purchase money closes, renovation money typically follows in verified draws, and the loan ends by sale or a planned DSCR refinance.
Which financing path fits your project?
Fix-and-flip financing
Short-term purchase and rehab capital shaped around the resale or rental exit.
Bridge loans
Span the gap between a sale, a stabilization and the next position.
BRRRR financing
Buy, rehab, rent and refinance with the exit tested before the offer.
Ground-up construction
Build-to-rent financing from lot and plans to lease-up and refinance.
DSCR loans
Long-term rental financing tested on rent coverage, not a pay stub.
Hard money to DSCR
The refinance exit that turns a finished project into a held rental.
What should you check in your market?
Phoenix investor loans
Phoenix rewards investors who respect heat, water and insurance while chasing a deep renter base across the Valley. Hard Money Loan App arranges short-term and DSCR financing here through wholesale lenders for business-purpose, non-owner-occupied property.
Dallas investor loans
Dallas mixes older central neighborhoods ripe for renovation with deep workforce rental demand across the metroplex. Hard Money Loan App arranges hard money, bridge and DSCR financing through wholesale lenders for business-purpose investment property.
Houston investor loans
Houston offers scale, jobs and attainable rental stock, priced with flood and insurance questions on every street. Hard Money Loan App arranges hard money and DSCR financing through wholesale lenders with those questions answered early.
Atlanta investor loans
Atlanta pairs intown renovation energy with some of the deepest suburban family-rental demand in the Southeast. Hard Money Loan App arranges hard money, bridge and DSCR financing here through wholesale lenders for investment property.
Explore all eight investor markets · Read the investor guides · Compare loan structures
What do investors ask before applying?
What is Hard Money Loan App?
Hard Money Loan App is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC is a mortgage broker, not a lender. We arrange and shop business-purpose hard money, bridge and DSCR financing from wholesale lenders for non-owner-occupied investment property.
Is Hard Money Loan App a lender?
No. Broker, not lender. We arrange and shop financing from wholesale lenders, compare how each reads your deal, and help you through the file. The wholesale lender makes the credit decision and provides the funds.
What properties qualify on this site?
Non-owner-occupied investment property only: rentals, flips, bridge scenarios, BRRRR projects and ground-up rental construction held for business purposes. If you plan to live in the property, we cannot help with that purchase on this site.
How does hard money underwriting differ from a bank loan?
The property and the plan lead: purchase price, renovation budget, finished value or rent, reserves and the exit. Personal financial strength supports the file, but the deal itself carries unusual weight in the decision.
Can I get a DSCR loan in an LLC?
Often, yes. Many wholesale lenders allow or prefer entity borrowing for investment property. Entity formation documents, the operating agreement and member details become part of the file, and we check the match early.
Ready to share your next project?
Address, numbers, timeline, exit. We arrange and shop financing from wholesale lenders and tell you plainly how the deal reads.
Program Structure Comparison & Investor Brief
Reviewed by Loan Daddy LLC editorial team · Business-purpose investment property brokerage (NMLS #2827624).
| Guideline Dimension | DSCR Rental Loan (Business-Purpose) | Private Money / Bridge (Business-Purpose) | Conventional Investment Mortgage |
|---|---|---|---|
| Primary Qualification | Property rental cash flow (Gross Rent ÷ PITIA) | Purchase basis, rehab budget (LTC), ARV, and exit plan | Personal debt-to-income ratio (DTI) and verified employment |
| Tax Returns / W-2 Required | Not required on standard DSCR shelves | Not required on asset-based bridge shelves | 2 years of personal & business tax returns and W-2s |
| Entity / LLC Vesting | Supported (LLC, LP, Corporation, or Individual) | Supported (standard for business-purpose bridge) | Generally restricted to individual borrower vesting |
| Property Occupancy | Strictly non-owner-occupied investment property | Strictly non-owner-occupied investment property | Investment property (subject to financed-property count caps) |
| Loan Daddy LLC Role | Wholesale mortgage broker comparing multiple DSCR shelves | Wholesale mortgage broker comparing private & bridge capital | Scenario comparison benchmark |