Hard Money Loans For Rural Properties
Traditional banks and institutional lenders frequently decline rural deals because they rely on finding identical suburban comps within a strict one-mile radius. We take a more practical, asset-driven approach to underwriting. Whether you have a lucrative flip, a rental, or a transitional property tied up on rural acreage, our focus is on the property's true utility and the viability of your exit plan. This ensures you secure the funding required to close rural assets, completely bypassing the standard three-week appraisal delays.
- 24 Hours
- Commitment Speed
- 5 to 10 Days
- Funding Timeline
- Starting at 20%
- Down Payment
What You Can Get
- Interest Rates
- Starting at 10% to 18%
- Origination Fees
- Ranging from 1 to 3 points
- Maximum LTV
- Max 75% of acquisition cost or After-Repair Value
- Loan Terms
- 6 to 18-month durations featuring flexible extensions
Properties must be non-owner occupied and titled under an active LLC.
See funded deals across every program on closed loans.
The big lenders went completely silent as soon as they realized my property sat on six acres. Henry looked closely at the actual market data, based the underwriting on the asset's rental viability, and successfully closed the loan in just eight days.
Where I Fund Rural Deals
Markets I fund.
Rural Loan FAQs
Generally, no. I will always attempt to confirm the value using internal valuations first; however, it can be difficult to confirm a value of a rural property because comparable sales may not exist or it may be a unique property. If I need an appraisal or other 3rd party value, you would know at the beginning
More Ways To Fund
Rental / DSCR
Qualify on rent, not your paycheck. Scale the portfolio past the conventional cap.
- 1.0
- DSCR From
- Up to 80%
- LTV
- 30 yr
- Terms
Fix & Flip
Purchase + rehab in one loan. Sized to ARV. Close fast enough to beat cash.
- 10%
- Rates From
- Up to 90%
- Purchase
- 24 hrs
- Close In
Construction
Ground-up financing covering land plus build, released on milestones.
- 11–14%
- Rates
- Up to 90%
- Cost
- 12–24 mo
- Terms
Ready To Fund Your Deal?
Send the address, the numbers, and the exit. Same-day answer. No fee, no obligation.