Unlock Your Investment Potential
Join Our Co-Lending Program Today!
Experience the benefits of co-lending with us and earn passive income while supporting real estate projects in your area.
Why investors need hard money
Projects
Most investment real estate projects have a construction/rehab component required to increase its value
Financing
Due to the deferred maintenance/repairs, most traditional banks don’t have the ability to lend on these projects
Timeline
If banks can move forward, inspections, appraisals, and slow underwriting processes delay closing for 30+ days
Missed opportunity
Borrowers lose the project to an all-cash buyer who can close quickly
Why Co-Lend with VHM?
Fully Passive.
We handle all underwriting and loan servicing.
Private Mortage Notes.
We invest in conservatively underwritten, first deeds of trust/mortgage secured by investment real estate.
Double Digit Returns
Typical Return: 10% APR, paid upon project completion.
Risk Mitigation.
Due diligence on the borrowers and properties (collateral, charter, capacity, credit).
Loan max 65-70% of the property’s after repair value ensuring 30% equity.
80% of the purchase price, 100% rehab value.
Rehab funds held in reserve and released after work is completed and inspected.
First Position Deed of Trust or Mortgage.
Lender’s Title Policy safeguards our financial interest against tile defects.
Builder’s Risk Policy listing us as Loss Payee.
Attorney prepared documents.
Have question?
Contact me here.
What Our Clients Say About Us
My Go-To!
Virginia Hard Money is my go-to for all types of deals. We are working with them on two projects. The first one is a commercial building for which we only borrowed for acquisition. The second project required a little more navigating on title work. They were informed and worked with us on deadlines as they passed before settlement. We could borrow money from several lenders but we chose Virginia Hard Money because of their knowledge, ease, and communication.
Huda M.
Game Changer
Working with Rick has been a game-changer! His response time is incredibly fast, and he is always willing to find a solution that works for everyone, a win-win. He is flexible, transparent, and genuinely wants to see your project succeed. All around, just a great company to work with.
Joan S.
A Blessing
Working with Virginia Hard Money has been a blessing. Their industry expertise has helped us refine our own renovation process, and their speed and reliability far exceed other lenders we’ve worked with. They stood by us on a major renovation project, demonstrating both trust and commitment. We’re grateful for their partnership and look forward to continuing to grow together.
Lori