Commercial Lending Blog

Posted on Aug,05 2020
by Brenda Sigurdson

Hard Money Lending

– Myths vs. Facts: Hard Money Loans are Very Expensive

There is a lot of misinformation out there on Hard Money lending, and a lot of it comes from the way the loans are marketed by the competition. Many traditional lenders will advise against hard money loans because they are “too expensive” or supposedly have too many fees or additional charges attached. This is far from the reality of the situation. Typically, hard money loans cost more than traditional loans, however, they typically have shorter terms and the high interest rates encourage...

– Myths vs. Facts: Hard Money Lenders are Unregulated

Hard money loans are a great resource, but they are also one that is often misunderstood. One of the bigger misconceptions about this type of lending is that hard money lenders are unregulated or under-regulated, which increases the level of inherent risk for borrowers. The truth of the matter is that legitimate lenders are regulated, and they provide a reputable financial solution for alternative real estate investments that can’t benefit from traditional funding and home loans. Who Regula...

Posted on Jun,23 2020
by Brenda Sigurdson

Hard Money Lending

Posted on May,20 2020
by Brenda Sigurdson

Hard Money Lending

– Myths vs. Facts: You Don’t Need a Down Payment with a Hard Money Loan

Those who are just starting out using hard money loans as a commercial real estate investor often wonder whether they actually need to have a down payment. Since hard money lenders are typically companies or private individuals, it’s a natural question to ask. However, there is a lot of misinformation surrounding loans from hard money lenders. Let’s take a closer look. Hard money loans are asset-based, which means they utilize the property as collateral. Real estate investors often choose...

– $1,900,000 Blanket Mortgage – Mixed-Use Development & Three-Family Investment Home – Multiple Locations

  $1,900,000 Blanket Mortgage - Mixed-Use Development & Three-Family Investment Home - Multiple Locations One of H&O Capital Funding's repeat borrowers reached out in the midst of the shut down around the tri-state area due to Covid-19. The borrower had been working on the construction of a mixed-use property with two stores and eight apartments in Bayonne, NJ. The property was a single story retail property when he purchased it in 2016. Over the past 3.5 years the borro...

Posted on May,04 2020
by Rich Salinaro


Posted on Apr,07 2020
by Brenda Sigurdson

Hard Money Lending

– Hard Money Lending Still an Option with H&O Capital Funding LLC

With the threat of COVID-19 on the rise, the world is facing trying times, and this has caused many lenders to start reducing their offerings or simply put a pause on lending altogether. However, we understand that there is still a need for quality lending to be made available, which is why H&O Capital Funding LLC is still active. Given the state of the economy, it is entirely understandable that many people have a need for liquidity today and we want to be able to help. We’ve worked to st...

– Hard Money Loans – Myths vs. Facts

In our new series of blogs, we’re going to delve into the most common myths and facts behind hard money loans and how they work. Our goal is to help you dispel the myths and provide the information that you need to make an educated decision about your lending options. The first topic is one of the most common misconceptions about hard money lending: Only People with Bad Credit Get Hard Money Loans Because the terms of a hard money loan are more flexible, they may be a better choice for peopl...

Posted on Apr,02 2020
by Brenda Sigurdson

Hard Money Lending

Posted on Mar,16 2020
by Rich Salinaro

– $1,000,000 First Mortgage – 3-Family Investment – Brooklyn, NY

  H&O Capital Funding Closes on $1,000,000 Loan In this deal, the borrower came to H&O Capital Funding needing some quick cash for another project they were working on in Greenpoint. Knowing they had a lot of equity in their 3-family investment home next door, the borrowers came to H&O Capital Funding for a quick, easy closing. With plenty of value in the property, the loan was an easy one for H&O Capital Funding. Despite a few minor hurdles, the loan closed in u...

– Collateral Asset Valuation and How It Works

Nearly all lending involves some sort of collateral that the borrower allows the lender to place a “lien” on. A lien is a legal instrument of record, which ties up the collateral so that it may not be sold, refinanced or transferred without the debt first being paid. Depending on the type of loan you are looking for, some lenders will be more specific about what collateral they need, while others may just request a certain dollar amount, and accept it in any form of asset that you have avail...

Posted on Jan,31 2020
by Brenda Sigurdson

hard money loan

Posted on Jan,30 2020
by Rich Salinaro

– $540,000 First Mortgage – Warehouse plus Office – Hicksville, NY

  $540,000 First Mortgage Loan - Warehouse plus Office - Hicksville, NY Another repeat borrower for H&O Capital Funding after a successful transaction in 2016. In this deal, the borrower came back to H&O to refinance the same property he collateralized in the last deal. With occupancy that doesn't exactly meet the Certificate of Occupancy, the borrower was having trouble getting a conventional loan and he needed to clear some funds for his business fairly quickly. As H&...

– $750,000 Blanket Mortgage – Two multi-family properties in Westchester

$750,000 Blanket Mortgage - Two multi-family properties in Westchester This deal featured a repeat borrower, who is a young investor in multi-family real estate. The investor came to H&O Capital Funding looking for a loan across two properties in Westchester, one in New Rochelle and the other in Port Chester. The investor was looking for a quick cash out for another business venture he was looking to pursue.  Having had previous dealings with H&O Capital, the borrower knew of H&O ...

Posted on Dec,19 2019
by Rich Salinaro


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