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Hard money lending refers to a type of short-term, asset-based lending typically used in real estate transactions. Unlike traditional bank loans, where a borrower’s creditworthiness and financial history are primary considerations, hard money loans are primarily secured by the value of a specific real estate asset, such as a property or land.

Just fill out the form by clicking on the Apply Now button.

Every circumstance is different, in general we look for 30% equity and a realistic ARV. Your experience as an investor may play a role and affect the rates.

We primarily fund single and multi-family homes in Florida which are not being used as a primary residence.

Interest rates and terms vary with market conditions and specific deal points. In general our rates are 11% to 13% with durations from 3 months to 2 years.

You can be approved in as little as 24 hours. However, sometimes due diligence takes longer depending whether an appraisal or inspection is required.

There are no hidden costs or fees. We may charge a $750+ application fee to cover title search and attorney fees.

Zippy is a modern, tech forward solution for real estate investors. We aim to simplify and speed up the process of acquiring a loan. We do not think in terms of singular transactions, but rather as your long term partner.