We needed to close on 3 single family homes; we were renovating all 3 and keeping one, selling the other 2. The seller was only willing to sell all 3 if it was a quick cash closing, so we reached out to Pillar and team, and within 24 hours they had term sheets to us. Surprisingly competitive pricing – we’ve done a lot of private and hard money loans. Closed on time, I can definitely recommend.
John S
My husband and I were halfway through a ground up build and (due to the city being incredibly difficult during permitting), our loan ran out of time with our first lender. We had just finished up framing, and needed more time than just the extension would give, so we received an email from Pillar and reached out. They put in the work to get our remaining budget built out on their forms for us, and it was probably around 3 weeks from reach out to fund the new year-long loan. They helped a lot, we were freaking out.
Wendy P
Me and my two partners needed money from our rental properties to buy a small apartment building. The bank loan to buy the apartment building was taking very very long and the seller was quite unhappy. We had them do a cash loan on 3 of our rental properties we owned no debt. In 2 weeks we had the money. The rental properties we refinanced within a 3 month duration but the loans had one year loan term durations incase needed. Thank you
Jatinder R

What types of loans do we offer?

Lease Income Loans (DSCR)

Lease Income Loans (DSCR)

  • Residential or Commercial - based on the lease income(s), not the individual borrower(s)
  • Rates starting at 5.99%*
  • Purchases and Refinances - loan terms between 1 and 30 years (and increments in between), with interest only available.
  • Quick term sheets and fundings - for properties with leases, this is a very advantageous loan for investors.

Cash Out Refinances

Cash Out Refinances

  • On investment properties you own, we can do a cash out refinance loan in a couple of different methods.
  • Rates starting at 6.49%*
  • Depending on credit, we can pull different amounts of cash out of your rental properties; and have different lengths and terms for you to choose from.
  • With the cash out rental loans, we have the option of 3 year, 5 year, 7 year, and 10 year interest only loans, or fully amortized 30 year loans as well at market rates.

Fix and Flip

Fix and Flip

  • Points starting at 1.5 with rates starting at 9.99%
  • Down payment on the purchase price only
  • Fix up funds built into the loan fully and interest only accrues as they are drawn upon
  • No prepayment penalty - loan ends when you sell it, no strings attached.

Ground Up Construction

Ground Up Construction

  • Points starting at 2 with rates starting at 9.99%
  • Fund on permit approval, or can fund mid-project
  • If in the middle of a build, we can pay off your current loan, give you a full new term, and build in the remainder (and sometimes more) into your new loan
  • Built in extension at the end of the loan, so if the build takes longer than the term of the loan, you don't hit a hard wall. We're here to help you finish.

Why Is A Private Money Loan The Best Option?

Speed and Efficiency

Speed and Efficiency

  • Private money loans are typically approved and funded much faster than conventional loans, with less documentation and red tape.
  • Traditional lenders, such as banks and credit unions, often have lengthy approval processes involving extensive paperwork, credit checks, and income verification.
  • In contrast, private money lenders primarily focus on the value of the collateral in combination with the borrower, not needing tax returns.

Flexible Approval Criteria

Flexible Approval Criteria

  • Conventional lenders usually have strict eligibility requirements, including tax return requirements, W2 requirements, low debt-to-income ratios, and verifiable income.
  • Private money lenders are more flexible and often consider the overall value and potential of the collateral property more than the borrower’s financial history.
  • This makes private money loans accessible to a wider range of borrowers, including those who might not qualify for traditional financing.

Investment Opportunities

Investment Opportunities

  • Private money loans are particularly advantageous for real estate investors who need to act quickly to capitalize on investment opportunities.
  • For example, investors involved in house flipping or purchasing properties at auction can benefit from the rapid availability of funds.
  • The short-term nature and flexible structure of private money loans align well with the needs of these investors, allowing them to finance renovations or property improvements quickly, enhance the property's value, and then sell it for a profit within a short time frame.

Our Mission

Our mission as a customer-focused private money lender is to help real estate investors and entrepreneurs by providing fast, flexible, and reliable financing solutions tailored to your unique needs.

We're dedicated to building strong, long-term relationships with clients by offering personalized service, transparent terms, and a deep understanding of the real estate market.

By focusing on the value of the collateral and the potential of the project, we strive to make real estate investments accessible and achievable for a diverse range of clients, ultimately contributing to your success and growth in the competitive real estate landscape.

  • Tell us how we can help you.

*Pillar Private Lending is a private lending institution that offers financial products, including fix-and-flip loans, ground-up construction loans, and cash-out refinances of investment properties. We are committed to providing clear and accurate information to help you make informed decisions about your lending needs.

All lending activities comply with federal and state regulations to ensure consumer protection.

For any questions about loan programs, requirements, or any other inquiries, please don’t hesitate to contact our friendly and knowledgeable team today. We look forward to getting you taken care of.

Fix and Flip Loans
Rentals and DSCR Loans
Ground-Up Construction Loans
Cash Out Refinance Loans
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