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We lend nationwide in 46 states across the U.S. States we do not lend in include DE, ND, SD, VT. However, other states may be approved by exception.

Private money loans can have several advantages over traditional bank financing including:

• A simpler application process and quicker approval/disapproval decision.
• Less scrutiny of the borrower’s personal financial situation, including income and historical tax returns, compared to bank loans.
• Borrowers can allocate less time to seeking financing and instead concentrate on other businesses.
• Most private money lenders do not expect perfect credit and substantial amounts of disposable income from borrowers, but instead focus on the merits of the specific deal under consideration.

We make lending easy, fast, and efficient. SubTo Money Hub can do the deals that other lenders can’t. Our range of loan programs gives us an edge over our competitors.

We offer flexible financing for investors in residential real estate. Our loan programs include:

Residential Loan Programs:

 • Acquisition-Only

 • Purchase + Rehab

 • Refinance – Rate & Term

 • Refinance – Cash Out

 • Refinance + Rehab

 • Rehab + Rent

 • Purchase Bridge Loans

 • Refinance Bridge Loans

• New Construction

• Short-Term Rental Loans

• DSCR Long-Term Rental Loans

Advanced rehab draws provide borrowers with instant access to funds, enabling them to initiate their projects without delay. This grants borrowers a significant advantage by helping them maintain their financial fluidity.

SubTo Money Hub provides bridge loans offering short-term funding to cover the gap between two transactions, typically when your construction loan is due, and your long-term financing is complete or additional time is needed to sell the property.

No, we lends only to business entities (LLC’s, C Corps, etc.). Registering a business entity is easier than many think, and the process can often be started online through your state government.

We do not have an owner-occupied loan program. We lend to experienced real estate investors for the purchase, improvement, and construction of residential non-owner-occupied properties, including rentals.

• No Asset Verification
• Residential, Non-Owner Occupied Properties
• Advanced Rehab Draws and No Monthly Payments
• Escrow Payments
• Delayed Purchase Financing
• No Income and No Tax Returns
• Fast In-House Underwriting and Easy Draw Process
• Exceptional Customer Service and Dedicated Account Manager
• Flexible Terms and Competitive Rates
• Construction Funds Paid at Closing

Fill out our online application here to start the conversation. Each loan scenario is unique, and we believe in a personalized approach to each transaction.