Hard Money

Min. FICO 580 Up to 70% CLTV

A&D Mortgage's Hard Money mortgage is a flexible and speedy solution for bridging financial gaps between the purchase of the next property and the sale of the current one. These loans are perfect for investment properties, whether residential, vacant, or tenant-occupied.

Program features
  • Loan amounts up to $2.5 million
  • Close in an LLC
  • Fast closing
  • 5-year interest only
  • Foreign Nationals & Non-Permanent Residents are available
Why choose our Hard Money?
  • No reserves requirement
  • Minimum documents
  • 0 seasoning for credit events
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Program details

Loan amounts up to $2.5 million
5-year interest only
Close in an LLC
DTI not required
Up to 70% CLTV
Investment Property: Residential vacant or tenant occupied; lease agreement is not required
Cash-out up to $2.5 million
No income verification required
No min reserves required
Gifts are permitted and reviewed on a case-by-case basis
No mortgage history required
0-month seasoning, BK must be discharged
Condo, 1-4 units, new construction PUD, new construction condo, commercial property, office, multifamily, condotel, retail, mixed-use, others
5-year fixed interest only, balloon in the end
US citizenship, Permanent & Non-Permanent Resident, Foreign National (minimum FICO 660)
Investment - LLCs/Corp Only 
The Hard Money loans are subject to additional approval by the investor
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