TD&F Investment Financing
Please read all information before applying for financing.
What is a Private Money Loan?
A private money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies.
How do our loans work?
Assessment-we will evaluate the assets and investment opportunity and, if we deem the individual or business eligible, set a lending value based on the total value (always less) of the assets owned or to-be-purchased.
Fees & Interest-Upon settling on a price, we will then apply fees and set an interest rate.
$250 application fee (non-refundable)
Deposit (not to exceed 20%)
3-4% processing fee
9.75-12% annual interest
Timeframe-usually must be paid within 6-12 months. These loans are processed quickly and their greatest advantage is their processing speed.
Processing Time-can take anywhere from ten days to a month to process. We strive to come to complete processing within two weeks upon receipt of all necessary documents/information and payment of pre-required fee(s).
What we offer:
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties
Up to 80% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 70% of the ARV
6-12 Months (6-Month Extension Available)
Minimum As-Is Property Value:
$50k for Single-Family
$25k per Unit for 2-4 Family
$35k per Unit for Multi-Family (5+)/Mixed-Use
$50k – $1M for 1-4 Family, Condos, & Townhomes
$250k – $3M for Multi-Family (5+)/Mixed-Use
Minimum FICO Score:
As Low As 9.75% (charged on outstanding balance only)
Step 1: Submit a hard money loan application online email us at , or call us at (855)-640-0354
Step 2: We review the application and, if necessary, request any supplemental information.
Step 3: If loan application fits our preliminary requirements, we will contact you to set up a in-person walk-through of the property and have a meeting to discuss your request.
Step 4: Based on the application and meeting, we provide a Term Sheet (an outline of how the loan will be structured). We deliver the Term Sheet within 24 hours from our walk-through.
Step 5: If you approve the Term Sheet, we immediately begin drafting loan documents for the transaction and setting a closing date.
Step 6: We close the transaction and wire the funds you need for purchase. Our entire process from application to closing takes as little as one week if needed.