HARD MONEY LENDER MICHIGAN

Michigan is inside our lending area, covering Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor and Lansing. Loans are business-purpose and secured by non-owner-occupied real estate, funded with in-house capital by a direct lender. That structure keeps a normal closing at five to seven days and the document list short, because the property and the exit strategy carry the underwriting rather than your personal file.

Wayne County rehabs are everyday business for us, block by block. We underwrite the property, its condition and its after-repair value, so a bungalow that needs a full renovation is a candidate rather than an automatic decline. Fix and flip money funds the purchase and the work together, and bridge financing covers the acquisition when you need to close before another buyer does.

Macomb County rentals fit the rental property DSCR program cleanly, since postwar ranch and brick tract homes in Warren and Sterling Heights lease reliably and qualify on that income. No tax returns drive the decision. Blanket loans let you hold a group of them under one note, and with no prepayment penalty you are free to sell a door whenever the numbers say to.

Washtenaw County student rentals are financeable through our bridge and rental property DSCR programs, including houses and small multifamily within walking distance of campus. The loan is sized against the property and its rent roll. If the house needs updating before the leasing season, fix and flip money covers the renovation and the DSCR loan takes over once the units are occupied.

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.

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.

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.

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.