Fast & Reliable Financing
Quick Approvals, Competitive Rates, and Personalized Service for your Utah Real Estate Investments
Smart, Simple Investing
Our Process
Apply Online
Submit a quick application with information like purchase price, address, loan amount, estimated repairs, timeline, and projected sale price.
Get Approved
Receive loan approval often within a few days. Funding can be available within a week or less after approval.
Receive Funds
Hard money funding can be available quickly so you can get to work on your investment.
Grow Your Investments
Start making improvements on your property so you can sell it and grow your investments.
FAQ
What is hard money financing?
Hard money financing is a type of loan secured by real property. It is typically used by real estate investors for short-term funding needs, such as purchasing and renovating properties. Unlike traditional bank loans, hard money loans are based on the value of the property being used as collateral rather than the borrower’s creditworthiness. This allows for quicker approval and funding processes.
What types of properties can be financed with hard money loans?
Hard money loans can be used for various types of properties, including residential, commercial, and mixed-use properties. This includes single-family homes, multi-family units, retail spaces, and more. Hard money financing is ideal for real estate investors, property flippers, and developers who need quick access to capital for purchasing, renovating, or refinancing properties.
What are the typical terms and interest rates for hard money loans?
Hard money loans generally have higher interest rates compared to traditional loans, often ranging from 8% to 15%. Loan terms are usually short, ranging from 6 months to 3 years.
How quickly can I get approved for a hard money loan?
Approval for hard money loans is typically much faster than traditional loans, often within a few days. Funding can be available within a week or less after approval. Documentation requirements are usually minimal but typically include property details, purchase agreement, renovation plans, and a basic financial overview of the borrower.
Can I get a hard money loan if I have poor credit?
Yes, since hard money loans are primarily based on the value of the property, borrowers with poor credit can still qualify. However, the terms and interest rates may be less favorable. If you default on a hard money loan, the lender has the right to foreclose on the property used as collateral. It is crucial to have a clear repayment plan and contingency strategies to avoid defaulting.
Seamless Financing
Easy to Use Financial Tools
Pehrson Real Estate
Use Pehrson Real Estate to find the properties you should invest in. Get a deeper understadning of Utah’s market.
Quick Financing
Stop losing out with excessive waits. Our hard money financing will let you grow your investments in no time.
Grow Investments
Expand your real estate portfolio with Fourth St. Capital: Join the team as a fractional investor.
Testimonials
Our Customers
“Working with Fourth St. Capital was a game-changer for my real estate business. Their quick approval process and flexible terms allowed me to secure funding for my projects without hassle. The team’s expertise and support were invaluable. Highly recommended!“
John Mitchell
“Fourth St. Capital made the financing process incredibly smooth and efficient. Their competitive rates and tailored loan solutions helped me acquire and renovate properties quickly. The personalized service and expert guidance provided by their team truly set them apart“
Sarah Thompson
“I’ve dealt with many lenders, but Fourth St. Capital stands out for their professionalism and speed. They approved my loan in record time, enabling me to seize investment opportunities immediately. The entire experience was seamless, and their support was top-notch.“
David Rodriguez