© WHERE WE LEND ANN ARBOR · MI
HARD MONEY LENDER ANN ARBOR
A direct lender for Ann Arbor deals that banks will not touch, priced on the asset, not the paperwork.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Ann Arbor runs on the University of Michigan, and every investment thesis in Washtenaw County starts there. Burns Park, the Old West Side, Water Hill and the streets off South University trade on walkability to campus, while North Campus and the Briarwood side serve a different tenant entirely. Demand here is academic-calendar reliable and rarely soft.
Loan Goat funds Ann Arbor deals the way it funds Michigan deals generally, on the asset. Washtenaw County is the working radius, and the same terms extend to Detroit, Warren and Sterling Heights when the next opportunity lands one town over.
Loan Goat is a direct private lender, not a broker, headquartered in San Diego and funding across 46 states. An Ann Arbor borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST ANN ARBOR · MI
WHAT DO ANN ARBOR HARD MONEY LOANS COST
Cost on an Ann Arbor file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For an Ann Arbor deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. An Ann Arbor deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT ANN ARBOR · MI
WHY LOAN GOAT IN ANN ARBOR
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Ann Arbor property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Pre-war frame houses cut into student units near campus, craftsman and colonial stock in the older neighborhoods, mid-century ranches on the periphery, and newer apartment towers stacked along the downtown edge. None of that is unusual here; it is the normal book.
By-the-bed student rentals near the University of Michigan are the highest-yield play, leased a year ahead. Renovation flips in Burns Park and the Old West Side reach faculty and professional buyers, and accessory units add density on deep lots. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
ANN ARBOR DEALS, FUNDED FROM SAN DIEGO.
Washtenaw County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS ANN ARBOR · MI
MOST COMMON ANN ARBOR LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets an Ann Arbor replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Ann Arbor auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Ann Arbor real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Washtenaw County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Washtenaw County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Ann Arbor investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Washtenaw County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Ann Arbor whose write-offs make a bank file impossible.
- VACATION RENTAL Ann Arbor vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Ann Arbor who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN ANN ARBOR
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES ANN ARBOR · MI
PROPERTY TYPES WE FINANCE IN ANN ARBOR
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Ann Arbor, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Ann Arbor bridged to an SBA or conventional exit.
- SELF-STORAGE Ann Arbor storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Ann Arbor on the land program.
- AGRICULTURAL Agricultural land and operations outside Ann Arbor underwritten on the asset.
- AUTOMOTIVE & GAS STATION Washtenaw County fuel and automotive sites, purchase and refinance.
© THE APPROACH ANN ARBOR · MI
HOW WE LEND IN ANN ARBOR
Read the table as a promise rather than a pitch. On an Ann Arbor deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
ANN ARBOR BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS
© QUESTIONS ANN ARBOR · MI
ANN ARBOR HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Ann Arbor and across Washtenaw County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Ann Arbor files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on an Ann Arbor deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Washtenaw County. Owner-occupied has its own program. If the Ann Arbor asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, private capital fits Ann Arbor student rentals cleanly because the loan is business purpose and non-owner-occupied. Loan Goat funds Washtenaw County acquisitions and rehabs from San Diego, underwriting the house and its rent roll rather than your personal file. Bridge runs up to 75% LTV, closings take five to seven days, and a clean bridge file can move in three.
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No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms
© WHERE WE LEND ANN ARBOR · MI
ANN ARBOR, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE ANN ARBOR · MI
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