What are hard money loans?
Hard money loans are private, asset-based loans secured by real estate. For investors, they often fund acquisitions, rehabs, or bridge holds when traditional financing is too slow or unavailable.
Pillar focuses on residential investment properties — fix & flip, rentals, and small multifamily — not large commercial towers.
When investors choose hard money
Competitive purchase timelines, properties that do not qualify for conventional financing, and value-add projects requiring rehab draws are common reasons.
Rates and fees reflect shorter terms and underwriting speed. Compare total cost against your projected profit or hold period.
How Pillar approaches hard money scenarios
We review the deal structure — collateral, leverage, experience, and exit — rather than only a W-2 profile. Most paths align with our fix & flip and bridge programs, each with dedicated underwriting and advisor support.
If your project is a rehab with a resale or refinance exit, start with fix & flip financing. If you need transitional capital between acquisition and permanent financing, explore bridge programs.