Investors ask us the same questions on almost every first call: geography, minimums, credit, speed, and whether we allow gap or second-position capital. Below are direct answers based on how Jaken Finance Group actually underwrites non-owner-occupied investment property nationwide.
For program detail by product, start with what is a hard money loan or browse financing by state.
Do you fund nationwide?
Yes. We lend in all 50 states on qualified investment-property files. Local market knowledge still matters — ARV comps, permit timelines, and insurance costs vary — but your sponsor profile and the deal economics drive approval, not a narrow geographic box.
Is there a maximum loan amount?
No hard ceiling on qualified bridge and fix-and-flip files. Large deals are underwritten on sponsor experience, liquidity, and third-party valuation — not a published cap. Submit the full scenario (purchase, rehab, ARV, exit) so we can price leverage appropriately.
Is there a minimum loan amount?
- Bridge and short-term investment debt: no minimum on most programs.
- Long-term rental / DSCR product: typically $50,000 minimum loan amount.
If your deal is small but strong, send it anyway — product fit depends on lien position, hold period, and exit path.
How fast can you close?
Most hard money files close in 7–10 business days once we have:
- Executed term sheet and entity docs
- Scope of work (for rehab)
- Three ARV comps or a credible valuation path
- Title and insurance commitments
Speed is asset-based underwriting: we are not waiting on W-2 verification cycles. That is why hard money wins competitive MLS and auction situations.
Do you pull credit?
We offer soft pull, hard pull, and no-credit-check programs depending on deal type and sponsor history. Submit a scenario at getloanterms.com and we will route you to the program that fits — there is no universal minimum FICO for experienced investors with strong deals.
Do you offer gap funding?
Case by case. We sometimes partner on a file or provide gap / second-position capital when the senior lender, equity stack, and exit are clearly documented. For gap consideration, use our gap funding application: jakenfinancegroup.com/gap-app.
Do you allow other gap or second-lien lenders on your deals?
Also deal by deal. We need to see the full capital stack, lien priority, and release terms before approving another lender behind or ahead of us. Submit the complete scenario rather than assuming a yes or no.
Do you fund rural properties?
Yes, when ARV comps, exit liquidity, and insurance availability support the file. Rural does not automatically disqualify a deal — thin comp sets and long DOM do. Bring sold comps within a reasonable radius and a realistic resale or rental exit.
What property types do you fund?
We finance non-owner-occupied investment property, including:
- Single-family and small multifamily (2–4 unit)
- Fix-and-flip and BRRRR bridge
- Ground-up and heavy rehab (draw schedules)
- DSCR and portfolio rental exits
We do not fund owner-occupied primary residences on hard money programs.
How do rehab draws work?
Rehab is typically funded up to 100% of documented scope on qualified files, released in milestone draws after inspection — not on a 30-day bank disbursement cycle. Your scope of work and contractor plan should match the draw schedule we quote at term sheet.
How is hard money different from fix-and-flip loans?
Hard money is the broader bridge category: acquisition, rehab, BRRRR, and some ground-up scenarios. Fix-and-flip loans are purpose-built for a resale exit with ARV-based leverage and flip-specific carry math. Many sponsors use both labels interchangeably; we match the product to your exit — flip, hold, or refi.
Ready to run your deal?
Paste your address, numbers, and timeline at getloanterms.com or call our team. We will return leverage, rate band, and closing conditions — usually within one business day on complete files.
Rates, terms, and conditions offered only to qualified borrowers and are subject to change without notice. All loans subject to full underwriting. We finance non-owner-occupied investment property only.