Whether I fund your deal directly or place it with one of my capital partners, you get real terms in 24 business hours — and an honest answer if the deal does not work.
No application fee, no credit pull to start — just a written term sheet you can take to the closing table.
Purchase plus rehab financing for value-add residential projects. Draws are released against completed work, fast enough to keep your crew on site, and experienced investors can qualify for 0% down payment (closing costs still apply).*
Full program details
Short-term capital to grab a deal now and refinance or sell on your timeline, not the bank's. Ideal for auction purchases, quick-close sellers, and repositioning a property before a permanent exit.
Full program details
Long-term financing for buy-and-hold investors, and the built-in refinance exit for your BRRRR deals. Qualify on the property's rental income rather than your personal W-2. Available for 1–4 units, 5–9 units, mixed-use, and commercial properties.
Full program details
Ground-up financing for builders and investor-developers, first-time builders welcome. Lot acquisition plus vertical construction with a staged draw schedule, so trades get paid and the build keeps moving.
Full program detailsIndicative ranges for business-purpose loans to entities, current as of July 12, 2026. Not rate locks or a commitment to lend. Your exact rate, points, and leverage depend on the property, your experience, credit, and the deal as underwritten.
A hard money loan is a loan secured by a “hard asset”: real estate. Instead of underwriting your personal income or employment history, a hard money lender like I Am Lender sizes the loan against the property's after-repair value (ARV), the property's worth once the rehab is complete.
That means no tax returns or W-2s to dig up, and no months of committee review. Most deals move from scenario review to funded in 14 days or less, so you can act when the deal is in front of you instead of waiting on a bank.
A 3-minute scenario review. Property address, purchase price, rehab budget, and your exit plan. That's it.
We underwrite the asset, not your tax returns. You get real numbers in writing within one business day.
Clear title, sign, fund. Most deals close in 14 days or less so you never lose a property to slow money.
We lend our own capital, so decisions happen in-house. The terms on your term sheet are the terms you close on.
Rehab and construction draws released within 48 hours of inspection, so contractors stay on site and timelines hold.
Your loan officer answers. Questions get handled in hours, not ticket queues, from submit to closing.
Get a written term sheet within 24 business hours. No obligation, no credit pull to see your numbers.
Get My Term Sheet