Purchasing real estate with Hard Money usually means that the buyer must still plunk down 50% or more of the purchase price.  Our "Not So Hard Money" has been part of purchases providing as much as 50-60% of the purchase price in the right conditions, and with a Seller's Carryback of 20-30% of the purchase price, making it possible for the buyer to purchase with as little as 20-30% of the purchase price.

In any case, the Buyer/Borrower must always bring at least 20% of the purchase price in order to qualify for the "Not So Hard Money" loan.  At time of purchase, take advantage of "Not So Hard Money" favorable terms and rates in your non-conforming Commercial or Investor purchase!

• $150,000 - $1,500,000 Loan
• 50% LTV  (Raw Land - 25% LTV)
• 10.99% APR Fixed Rate with Pre-Payment Penalty 
• Usually Fixed Rate 5 Year Balloon with a 25 Year Amortizing payment   (optional 10 Year Ballon for +1.0% APR; optional 15 year Balloon for +2.0% APR)
• Pre-Payment Penalty: 5pt-4pt-3pt-2pt-1pt
• "No Pre-Payment Penalty" full or partial buy-down option is available

There will still be Inspection, Underwriting, and possibly Appraisal fees.