Do you have a rental property that you’re looking to finance? Are you unsure if a Hard Money Loan is the right option for you? LJC Financial is here to help! We are experts in the financing of rental properties, and we can help you get the money you need to make your investment successful. We understand that every situation is unique, so we offer a variety of loan options to meet your needs. Contact us today to learn more about our rental property loans!

What is A Hard Money Loan?

Hard money loans are a unique type of lending that utilizes real property as collateral instead the borrower’s creditworthiness. These short-term bridge agreements can be used to finance real estate transactions when traditional lenders have been less likely to lend to borrowers. This can make borrowing for real estate a difficult option as interest rates continue to rise and traditional lenders are more risk-adverse, causing traditional avenues for property lending more difficult to acquire.

Hard Money Advantages

One of the main advantages of a hard money loan is that it can be obtained quickly and with relatively little paperwork. Hard Money Loans with LJC Financial is fast and easier to acquire than traditional loans since they are often held to fewer regulations and requirements than you would encounter with traditional lending institutions.

Hard money loans are typically used for short-term financings, such as flipping a house or funding a rental property. Borrowers who are unable to obtain traditional financing may be able to qualify for a hard money loan! Hard money loans are also available to investors who wish to buy and hold a property for long-term rental purposes.

What Type of Properties Will LJC Finical Use in a Hard Money Loan?

Typically we will consider most properties when assessing your assets. Here is a list of properties we typically see and usually finance:

Single Family (Investment)

With this style of property, this used to take equity out of the house a used for more properties to buy or to refinance the mortgage for a better rate

Duplex, Triplex, Quadplex

This type of property is our bread and butter when comes to financing. Typically you want to use our services when you want to purchase a property quickly and want to acquire more properties similar and begin to start receiving income from renters in as few as three months.

Large Developments

A large development is anything that has more than fourplex properties. We work with many developers in the Houston area to help with their short-term financing needs so they can continue to build and create value in the city.

The first step is always to fill out our contact form and one of our team members will get back to you shortly to discuss your options! We’re here to help grow your portfolio and increase your income – let us show you how!

Condo Conversions

Converting an existing property into condos can be a great way to increase the value of your investment. But it takes time – and money. Hard money loans can provide the financing you need to get started on your project right away.

We’re experienced in working with condo conversions and can help you navigate the process. We’ll work with you to come up with a loan that makes sense for your project and helps you maximize your return on investment.

Multi-Family Properties

Investing in multi-family properties can be a great way to build your portfolio and generate passive income. But it takes capital to get started. Hard money loans can provide the financing you need to purchase or refinance a multi-family property.

We’re experienced in working with multi-family properties and can help you navigate the financing process. We’ll work with you to come up with a loan that makes sense for your project and helps you maximize your return on investment.

Mixed-Use Properties

Mixed-use properties can be a great investment, but they come with their own set of challenges. LJC Financial has the experience and expertise to help you finance your mixed-use property.

We’ll work with you to understand your goals for the property and craft a loan that helps you achieve them. We have a deep understanding of the Houston market and can help you navigate the complexities of financing a mixed-use property.

Commercial Properties (Office, Retail, Industrial)

We also work with commercial properties. These can be anything from office buildings to retail stores to industrial warehouses. Whatever your commercial property needs, we can help you find the right financing.


We understand that sometimes the perfect property is just a piece of land. If you’re looking to buy land for future development, we can help you get the financing you need. Typically we would want to know the location as well as the sale history of the land to assess its value. These are less common in hard money lending, but we have recently closed on a few land-based loans.

Does LJC Financial Do Cash-out Refinancing?

If you’re interested in a hard money loan, then give us a call! We’re here to help you get the financing you need to grow your investment property portfolio!