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Montegra's Hard Money Blog

Why You Might Benefit from a Bridge Loan

Bridge loans (sometimes also called “hard money loans”) have gotten a lot of attention recently because of the surplus of commercial-mortgage backed securities (CMBS) that are scheduled to mature over the next few years. A recent report by Trepp LLC (a well-respected financial analysist group) predicts that “60 percent of the entire CMBS public-conduit universe […]

Hard Money Lender Scams and How to Avoid Them.

There has been increased demand for bridge loans (sometimes called hard money loans), which has led to a surge in the number of bridge lenders. While the vast majority of these are reputable lenders, it only takes a few dishonest lenders to make borrowers wary and give hard money lending a bad name. The most common […]

4 Ways to Speed Up Your Hard Money Loan Closing

One of the biggest attractions of hard money loans is the speed with which they can be closed (often in only two weeks) compared to the months that it can take to obtain a commercial loan from a bank. Hard money lenders such as Montegra Capital Resources require less red tape than conventional lenders, enabling […]

Sell Now, Sell Later: Choosing the Right Exit Strategy for You

You’ve purchased your investment property. You’ve put money and hard work into renovating the property. Now what? Exit strategies are not one size fits all; they must be customized to fit each individual situation. While it’s important to have an exit strategy before you purchase a property, fluctuations in the market and your own financial […]

Today’s nonbank lenders: Upping influence in capital markets

Colorado Real Estate Journal Article About Montega - A Colorado Hard Money Lender

by Robert Amter – Colorado Real Estate Journal – October 21, 2015 – November 3, 2015   Nonbank lenders are becoming increasingly active in providing significant capital for the commercial real estate market.  This group of lenders – also called hard-money lenders, bridge lenders or private capital lenders – has undergone significant changes since the […]

Are Bridge Loans and Hard Money Loans the Same Thing?

In a word “Yes”. A bridge loan is a short-term loan that is typically used to fill a gap in financing, often for property rehabilitation or investment-purpose properties. A hard money loan is a privately funded loan that is secured solely by the real estate asset’s value. It is often sought out as an alternative […]

3 Tips for Buying and Selling a Commercial Property

Here are three common mistakes to avoid when investing in commercial real estate. Mistake #1: Choosing an unsuitable property. Purchasing the wrong property can be the difference between a profitable investment and a total write-off. In addition to, or before, arranging an appraisal, you should walk (not drive) around the property to assess it for […]

Basic Requirements to Apply for a Hard Money Loan

Hard money loans are typically needed quickly, whether it’s to bridge a financing gap or take down a bargain property. Having the proper information for your hard money request can put your lender at ease while allowing a decision to be made quickly when it can do the most good. Here is a basic checklist […]

4 Tips for Investing in Real Estate

Real estate investing has always been popular with those who would like to add to their income or diversify their investment portfolio. There are thousands of books, websites and other media outlets proclaiming the ease with which one can become wealthy through real estate investing. For those who are new to real estate investing (especially […]

Hard Money Loan Approval: Story Trumps Data

Many of the larger traditional mortgage providers are now using sophisticated computer programs to crunch the numbers and determine to whom they will lend and how much. This is often touted as progress and technological advancement, but it is also easy to lose sight of the story behind the data. Bank lenders used to be […]

Hard Money vs. Institutional Loans: Interest Rates vs. Prepayment Penalties

Hard money loans (sometimes called Bridge Loans) are often considered the sole purview of borrowers with bad credit history, but there are other benefits to using hard money to finance real estate investments. There are two factors that can influence a borrower to choose hard money over conventional bank or life insurance company loans: interest […]

Why the Hard Money Lending Sector Is Flourishing

As other sectors of the lending industry have cut back on the financing they provide, hard money and private capital lenders have stepped in to fill the void. In a world where property deals come and go in the blink of an eye but bank loans can take months to close, the alacrity and creativity […]

5 Reasons to Develop Relationships with Hard Money Lenders

It can be extremely difficult, especially in the current lending market, to obtain financing for unconventional projects or deals, regardless of how potentially bankable they may be. This is why getting to know local hard money lenders is important to real estate investors, because these are the lenders they will turn to when they have […]

3 Tips for Finding a Quality Source of Private Capital

Although getting approved for a hard money loan is not that difficult, finding a reputable hard money or private capital lender is often the more challenging task. Here are three tips to help you find a quality source of private funding for your out-of-the-bank projects. Seek out a lender with sufficient capital resources. Experienced hard […]