LJC Learning Center

Hard money lenders don’t just look at credit scores—they focus on the numbers that define a real estate deal. Two key metrics, Loan-to-Cost (LTC) and Loan-to-Value (LTV), determine how much financing you can secure. While they serve different purposes, understanding both can help you maximize leverage and secure better loan terms. Understanding these metrics can [...]

Getting approved for a loan with a less-than-perfect credit score can be challenging, especially when time-sensitive real estate deals are on the line. Traditional lenders often rely heavily on credit scores to determine loan eligibility. Still, bridge loans offer a more flexible financing option—especially for real estate investors and homeowners who need short-term funding. If [...]

Securing a hard money loan in Houston can be a swift and efficient way to finance your real estate investments. At LJC Financial, we specialize in providing asset-based lending solutions tailored to meet the unique needs of investors in the Houston area. To ensure a seamless application process, coming prepared with the necessary documentation and [...]

Hard money loans can unlock significant opportunities for Houston investors looking to fund real estate projects quickly. However, some common missteps often go unnoticed, leading to unnecessary delays, increased costs, or even failed investments. Recognizing and avoiding these pitfalls can save time and money while ensuring a smoother borrowing experience. Below are five lesser-discussed mistakes [...]

Asset-based lending allows you to leverage the value of your existing assets, such as inventory, accounts receivable, or equipment, to secure a loan. Unlike traditional loans that hinge heavily on credit history, asset-based lending focuses on the inherent worth of your business's holdings.  Every Houston business owner understands the importance of securing capital to fuel [...]

A bridge loan serves as a short-term solution designed to temporarily cover a funding gap.  Within the context of real estate transactions, a bridge loan specifically addresses the need for financing a new home purchase before the sale of your current property. This temporary loan functions by utilizing the equity accrued in your existing home [...]

Traditional banks are often the first thought when financing real estate ventures. However, the world of real estate offers another option: private lenders. Private lenders can be a valuable resource for financing your project, potentially providing faster approval times and more flexible loan terms compared to traditional banks. This flexibility can be particularly advantageous for [...]

Dutch Interest Loans (DILs) have been getting some buzz lately, but hold on – they're not your typical loan. Unlike traditional mortgages with fixed rates, DILs come with a unique structure that can be tricky to navigate. Before jumping into a Dutch interest loan for your real estate investment, consider this: other financing options might [...]