Asset-based lending built for investors who move fast. No bank red tape. No income verification. Just capital when you need it.
Our hard money loans are built for real estate investors who need capital fast and can't afford to wait 45-60 days for a conventional lender to return their calls. If any of these sound like you, we should talk:
You found the deal. The seller wants to close in 10 days. You need rehab capital and a lender who won't flinch at a distressed property. We fund the acquisition and the renovation so you can focus on the flip.
You're acquiring a rental property but your capital is tied up in another deal. A bridge loan gets you to the closing table now while you arrange permanent financing or sell another asset.
The property needs work before it qualifies for conventional financing. We lend on the after-repair value (ARV), not just current condition, so you get the capital to complete the project.
You're building a portfolio and buying 2-4 properties a year. You need a lending partner who understands repeat borrowers and can move fast on multiple deals without re-underwriting your entire life every time.
You own a property free and clear or have significant equity and need to pull capital out quickly for another investment. We can close a cash-out refi in days, not months.
| Loan Amount | $10,000 – $500,000 |
| Loan Term | 1 – 12 months (interest-only payments) |
| Interest Rate | Competitive rates — contact us for current terms |
| Loan-to-Value (LTV) | Up to 70% of After-Repair Value (ARV) |
| Origination Fee | 2 – 4 points (varies by loan size and risk profile) |
| Approval Speed | Same-day decisions on complete applications |
| Funding Timeline | As fast as 7 days; typically under 15 days |
| Prepayment Penalty | None — pay off early with no additional cost |
| Property Types | Single-family, multi-family (2-4 units), small commercial, mixed-use |
| Geographic Area | Sacramento region and Northern California |
| Credit Requirements | Flexible — asset-based underwriting means the property is the primary qualifier |
| Income Verification | Not required — we lend on the deal, not your tax returns |
Four steps from application to funded. No runaround.
Submit your application online or call us directly. Tell us about the property, the deal, and your exit strategy. Takes about 10 minutes.
We review the deal and make a lending decision the same day. No committee meetings. No "we'll get back to you next week." You'll know where you stand before end of business.
We order the appraisal and title work immediately upon approval. We use local appraisers who know Sacramento values and can turn reports around fast.
Once appraisal and title clear, we fund. Typical timeline is 10-15 days from application to wire. Rush closings available for time-sensitive deals.
Conventional lenders weren't built for investors. Here's how the two options stack up when you're trying to close a deal:
| AIRG Hard Money | Conventional Bank Loan | |
|---|---|---|
| Approval Time | Same day | 2 – 4 weeks |
| Funding Time | 7 – 15 days | 45 – 60 days |
| Income Verification | Not required | Full documentation (W-2s, tax returns, bank statements) |
| Credit Score | Flexible — deal quality matters more | Typically 680+ required |
| Property Condition | Distressed / rehab OK | Must be habitable and pass inspection |
| Number of Properties | No limit | Fannie/Freddie caps at 10 financed properties |
| Underwriting Focus | The property and your exit strategy | Your personal income, DTI ratio, employment history |
| Prepayment Penalty | None | Often 1 – 3 years |
| Closing Flexibility | Can close on your timeline | Locked into lender's process and timeline |
The trade-off is straightforward: Hard money costs more in interest than a 30-year mortgage. But when the deal requires speed, flexibility, or doesn't fit the conventional box, hard money is how professional investors get it done. The ROI on the flip or the rental income more than covers the cost of short-term capital.
Here's how Sacramento investors are using AIRG hard money loans right now:
The deal: An investor finds a distressed 3-bed/2-bath in Arden-Arcade listed at $285,000. After-repair value (ARV) is $420,000. The property needs $65,000 in renovation. The seller wants to close in 10 days.
The loan: AIRG provides a $294,000 loan (70% of ARV) covering acquisition and rehab. Interest-only payments for 6 months. The investor completes the rehab in 4 months, lists and sells for $415,000, pays off the loan, and nets approximately $45,000-$55,000 in profit after all costs.
Why hard money: No bank would lend on a property in this condition, and no conventional lender could close in 10 days. The investor would have lost this deal without fast capital.
The deal: A buy-and-hold investor owns a duplex worth $450,000 and wants to acquire a fourplex listed at $625,000. Their capital is tied up in a refinance that won't close for 60 days, but the fourplex has multiple offers and won't wait.
The loan: AIRG provides a $350,000 bridge loan secured by the duplex. The investor closes on the fourplex in 12 days, then pays off the bridge loan when the duplex refinance completes 7 weeks later. Total bridge loan cost: approximately $8,000-$12,000 in interest and fees.
Why hard money: The fourplex generates $4,200/month in rent. Losing this deal over a 60-day timing gap would have cost far more than the bridge loan fees.
The deal: An active investor is acquiring their 4th property this year — a single-family rental in Elk Grove for $380,000. Conventional lenders are dragging their feet because the investor already has 8 financed properties and self-employment income.
The loan: AIRG provides a $266,000 loan (70% LTV). The investor closes in 14 days, stabilizes the tenant, and refinances into a DSCR loan within 6 months. The hard money loan served as the acquisition vehicle while long-term financing was arranged.
Why hard money: Banks penalize active investors. AIRG doesn't care how many properties you own — we care about the deal and your exit strategy.
Most hard money lenders hand you a check and wish you luck. We're different because lending is just one part of what we do. All Inclusive Realty Group is a full-service real estate investment firm:
Bottom line: We have skin in the Sacramento investment market. We're not just lending on your deal — we understand your deal because we operate in the same market every day.
A hard money loan is a short-term, asset-based loan secured by real property. Unlike conventional mortgages that focus on the borrower's income and credit, hard money loans are underwritten primarily on the value of the property being used as collateral. They're designed for real estate investors who need fast capital for acquisitions, renovations, or bridge financing.
We make approval decisions the same day we receive a complete application. Funding typically takes 10-15 days, depending on appraisal and title turnaround. For time-sensitive deals, we can sometimes close in as few as 7 days. The biggest variable is usually the appraisal — we use local appraisers to minimize delays.
The basics: property address, purchase price (or current value for a refinance), your renovation budget (if applicable), your exit strategy (sell, refinance, or hold), and a brief summary of your real estate experience. No tax returns. No W-2s. No 6 months of bank statements. We keep it focused on the deal.
No. We use asset-based underwriting, which means the property and the deal are the primary qualifiers. We do pull credit, and it's a factor, but it's not the deciding factor. Investors with credit challenges can still qualify if the deal makes sense and the LTV is strong.
There's no catch — it's the cost of speed and flexibility. Hard money rates are higher than a 30-year conventional mortgage because these are short-term loans (1-12 months) with faster closings, less documentation, and more lenient underwriting. Professional investors treat the interest as a cost of doing business: the profit on a successful flip or the rental income from a quickly-acquired property far exceeds the interest cost on a short-term loan.
No. Our hard money loans are for investment properties only — fix-and-flip, buy-and-hold rentals, bridge financing for acquisitions, and commercial real estate. We do not originate consumer-purpose loans.
Complete the application below or call us directly. Same-day decisions on complete applications.
Gary Burmaster | DRE# 02005619
Phone: (916) 548-0951 | Office: (916) 978-0992
Fill out the form below and we'll contact you within 1 business day. For faster response, call us directly.
All Inclusive Realty Group | California DRE# 02005619 | NMLS# (if applicable) | All loans are subject to underwriting approval, property appraisal, and title clearance. Rates, terms, and availability are subject to change without notice. This is not a commitment to lend. Loans are for business/investment purposes only — not for consumer or owner-occupied residential properties. Equal Housing Opportunity.
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DRE# 02005619
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15337 Murieta South Parkway, Rancho Murieta CA 95683
Tel: 916-978-0992
