Solving Investment Challenges: Understanding Your Deals, Providing the Funds

We offer private money loans to real estate investors. As consultants, we help realtors and general contractors navigate unique funding challenges to close the deal. Our lending team brings together over 75 years of experience, helping investors close over a billion dollars in successful real estate loan transactions. We offer a variety of funding solutions to enable what works best for you. Our private money loans are based on the non-owner occupied property’s After Repair Value (ARV). Yes, we fund the repair of ugly houses, too! Do you need to find a property for your next investment? Use the form to share your experience level and we will help by sending you a FREE list of ten motivated seller property leads for your select zip code or city location. Already working on a deal? Need a private money loan through us? Our tools can help you estimate how much you can expect to profit. Call 757-767-4419 now to discuss. We’ve got the money, so partner with us today!


Closing Cost Credit Back to You


Consultation & Property Assesment


Referral incentive
on closed deals


We help investors  fund non-owner occupied investment properties whether a short term Fix & Flip or a long term investment.

Funding Investments, Building Dreams

Short Term Purchase & Rehab Loans

We can fund up to 100% of your non-owner occupied single family properties for a fix & flip or fix to rent for one to twelve months. 

Short Term Key Features

What are the optimum requirements, however if your project is “out of this box,” we still have options for you.

  • Residential Non-Owner Occupied
  • House size maximum 2,800 square feet
  • Lot size no bigger than .5 acres
  • Sales Price does not exceed FHA maximum
  • Maximim 5 bedroom/3bath
Best Homes Funding Quick and Easy Application Process

Long Term Investment Loans

We are the right lending partner to help you scale your rental property portfolio. Approval is based on the property cashflow – not your tax returns. Although experience is rewarded, is NOT required.

Best Homes Funding Long Term Investment Loans

Long Term Loan Key Features

Rental Loans for non-owner occupied with attractive rates starting at 7.5%. Up to 80% LTV purchase and Refinances and up to 75% LTV Cash-outs. 

Commercial Investment Loans

We offer a flexible, small commercial solution for today’s real estate investing in Self Storage, Apartment Complexes, Multi-family, Mixed use and more.

Best Homes Funding can finance small apartment complexes no larger than 4 units

Commercial Loans Key Features

  • Loan amounts up to 5MM
  • Up to 75% LTV
  • First-time investors are welcome
  • Based on property value, not personal income
  • Great for qualifying self-employed investors and small business owners
Best Homes Funding Quick and Easy Application Process

Understand Your Needs - Crafting Solutions

We help you evaluate the property and ensure that your investment is protected.

Easy application process

Flexible repayment options

Competitive interest rates


Take control of your financial future with our tailored loan solutions

Our quick and easy application process, competitive rates, and flexible terms make it easy to get the money you need to get to the closing table.

Our process to approve your loan proceeds at your speed.

We provide a Proof of Funds Letter to help you get the property under contract. Next, we appraise the property and evaluate the value before and after necessary repairs. The value of the home helps secure the loan, so we help you look at every aspect of the solution to minimize your risk. As you submit your loan documents, our power team will process the title report to protect your investment and prepare for the closing.

Secure and confidential

Secure and confidential

We understand the importance of keeping your personal and financial information secure.
Helpful and friendly customer service

Helpful and friendly customer service

Our team of loan specialists is here to answer any questions you may have and help you through the process.
No hidden fees

No hidden fees

We believe in transparency and honesty. That’s why there are no hidden fees or surprises with our loans.
Competitive interest rates

Competitive interest rates

We pride ourselves on offering some of the most competitive interest rates in the industry.
Flexible repayment options

Flexible repayment options

We offer a variety of repayment plans to fit your specific needs and budget.
Easy application process

Easy application process

Our online application is simple and straightforward, allowing you to apply for a loan in just a few minutes.

Private Money Funding for Real Estate Investments

If you have a self-directed IRA, we can partner with you to begin investing in non-owner occupied properties. Our power team can manage the property and send a monthly check to your IRA account.


Frequently asked questions

What types of loans do you offer?

We offer short-term, long-term and commercial loans for the investors looking to start or expand their portfolios. With our comprehensive loan offerings, we strive to provide a solution for every unique investing situation.

How much can I borrow?

Our loan offerings are flexible and tailored to your unique circumstances. While the amount you can borrow depends largely on the value of the property and the borrower’s down payment, we typically loan up to 70% of the After Repair Value (ARV). However, we understand that each deal is unique, and we don’t want you to miss out on a great opportunity. Therefore, we might partner with a Rehabber in a joint venture in certain instances, providing nearly 100% of the short-term financing required. It’s crucial to note that while demonstrating the ability to make payments is important, the value of the real estate asset is what primarily secures the loan. Our commitment is to provide you with personalized, flexible solutions, be it short-term or long-term loans, or Rent-to-Own and Lease Option plans, aimed at empowering you to make confident real estate decisions.

How long does the loan application process take?

The loan application process with us is streamlined and efficient. We evaluate factors such as the property’s appraised value, the borrower’s experience, equity or merit of the property, and a feasible exit strategy. If you’ve closed a loan with us before, the process can be even quicker, potentially closing your next deal within a week. Ultimately, the speed of loan closing often mirrors the pace at which the borrower can submit necessary paperwork and forms. Our loans require significantly less paperwork than traditional institutional loans, enabling us to typically close loans in under three weeks. Remember, the faster the necessary documents are provided, the quicker we can commence the underwriting process and get you the funding you need.

What determines the interest rate on your loans?

The interest rate on our loans is determined by a variety of factors tailored to each unique scenario. Key determinants include the appraised value of the property, the equity created through your down payment, and the value of any other real estate investments you own. We take all of these factors into account to provide a comprehensive loan solution that’s suited to your specific financial circumstances, ensuring our rates remain as competitive and fair as possible.

Do I need collateral to get a loan?

Most of our loans are secured using the property being purchased as the collateral. This means that the property itself serves as the security for the loan. In situations such as Rent-to-Own opportunities, the collateral, which is the property, remains with the lender until all conditions of the lease option agreement are fulfilled. This approach ensures the protection of both parties and allows us to provide flexible and effective real estate funding solutions to meet your unique needs.

Will my credit score affect my loan application?

As a private money lender, we take a more holistic approach to assessing loan applications. While credit score is a consideration, we place greater emphasis on other factors such as the appraised value of the property, its equity, and your experience as a borrower. We understand that circumstances can lead to declined bank loans, whether due to credit issues or excessive loan conditions. That’s why we strive to offer flexible and inclusive loan solutions, ensuring that a wider range of borrowers can access the funding they need to realize their real estate goals.

Hassle-Free Loan Services for Every Situation

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