What is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan used for real estate investments. This can include either financing closing costs or construction costs if the unit needs a renovation.
Hard money loans offer fast funding based on the value of the property, not endless paperwork or traditional credit hurdles. They’re designed to move quickly — just like you.
If you’re ready to act on an opportunity, we’re ready to help you make it happen.
Why investors choose hard money loans
Faster approvals and funding timelines (sometimes in just days)
Flexibility for unique or time-sensitive deals
Less focus on credit scores, more focus on project potential
Great for short-term holds, rehabs, and quick resales
At The RAF Group, we specialize in working with real estate investors — because we are investors too.
We understand the urgency, the vision, and the drive you bring to every deal.
When to Use a Hard Money Loan
Fix & Flip
Buy, Renovate, Profit. Flipping houses is a high-return strategy when done right.
BRRRR Method
Buy, Rehab, Rent, Refinance, Repeat. The BRRRR strategy is a powerful way to build a portfolio with minimal upfront capital.
Wholesaling
Invest with Low Capital. Wholesaling lets you profit from real estate without owning property.
Multi-Family Rentals
Big Deals, Bigger Profits. Scaling up to multi-family or commercial properties requires a different approach
Vacation Rentals
The rise of Airbnb and short-term rentals has created a lucrative opportunity for investors looking to generate higher returns than traditional long-term rentals.
Why TheRAFgroup?
We’re not just lenders — we’re your strategic partners.
Investor-First Mentality
We understand your needs because we invest too.
No Wasted Time
Fast approvals, clear terms, no hidden surprises.
Flexible Loan Structures
Loans designed to fit a wide range of investment strategies and goals.
Strategic Partnership
Built by investors, for investors. We know what you need.
At The RAF Group, we believe in staying focused and redefining success—and that starts with giving you the capital to move fast and win big.
