Hard Money Loans

Optimus Capital Hard Money Loans are quick and creative financing solutions for real estate investors. We can meet almost any need and close quickly through our private hard money loans. As a full-service direct hard money lender, we can streamline all your funding needs while you build your real estate portfolio.

Optimus Capital hard money can be used for rehab, construction completion or ground up construction. We deliver fast and easy access to financing at the best terms available on the market.

Our success with our programs is based on the competitive “speed to market”. Determined by the borrower’s track record and experience, we can offer hard money loans at up to 90% of the purchase cost and 100% of renovations, for single family properties and up to 80% for multifamily and commercial properties.

Optimus Capital can quickly and efficiently analyze your deal to make sure it fits within our criteria. We offer a full-service platform, that will help you through your entire deal from application to closing. We are here for you to succeed. Our process is efficient and simple. We are here to assist you so that you can grow. 

Optimus Capital loans can be used for short-term or long-term projects lasting from a few months to years. We have bridge loans, construction completion financing loans and new construction loans.

Optimus Capital hard money can be used as a bridge loan or to begin and fund complete projects. We offer rental portfolio financing as well allowing for you to refinance your entire portfolio at more favorable terms with reduced fees. Our loans for rental portfolios can also be written to allow the flexibility necessary to grow, add properties or liquidate properties as needed.

Optimus Capital Hard Money Loans are written with your specific needs and criteria in mind.  We want to maximize the amount of capital that you have access to while reducing the terms and fees in order to allow you to invest more into your investment properti

Optimus Capital offers hard money loans to fit any need.

Below you can see some of our different financing programs that we offer.

Click below each product description to view the PDF and see all the details.

Optimus Capital’s “suite” of hard money loans using private money are built to help you succeed. We have strategically designed these programs for hard money loans and real estate investor’s transactions using private money for fix n flip, SFR new construction, multifamily, commercial, and rental. We have both short-term bridge and long term stabilized options.

The PDF below each of the program options; see below for more information about the specific programs, more information about Optimus Capital and also below there is the quick pre-approval form that allows us to quote terms.

Optimus Capital Hard Money Loans

5M Credit Facility Platinum Approval Program

  • Up to 90% Purchase / 100% Renovation
  • up to 75% ARV
  • Rates as low as 7.25
  • 12 month interest only
  • Dutch interest
  • No prepayment penalty
  • Easy approval
  • Close in a week
  • Fees: 499-749 underwriting, 495 processing, low points
  • States: CA, CO, CT, FL, GA, IL, KY, MD, MA, MI, MO, OH, PA, SC, TX, TN, VA, WA, WV

Optimus Capital Ruby Nationwide Fix n Flip Program

  • Up to 90% Purchase / 100% Rehab
  • Interest only on as drawn upon (Renovation)
  • Up to 70% ARV (non judicial foreclosure states)
  • Up to 65% ARV (judicial foreclosure states)
  • Rates starting at 8.99 with 15% down (85% loan to purchase)
  • Rates starting at 9.99 with 10% down (90% loan to purchase)
  • 12 month term(18 month possible)
  • 100% rehab, interest only as disbursed
  • No prepayment Penalty
  • Close in 4 to 10 days
  • As few as 2 – 3 past recent flips for experience (in order to qualify)
  • Fees: 995 docs, 495 processing, 255 inspection draw, low points, appraisal
  • States: in Most States Nationwide

Optimus Capital Emerald Fix n Flip with Seller Carry Program

  • Up to 80% of As Is Value – LTV (not to exceed 90% purchase)
  • Rates starting at 8.50
  • Flexible Term: up to 24 months
  • Interest only no prepayment penalty
  • Seller carry allowed for difference of first position lien, gap funding 2nds allowed up to 100% of purchase price
  • Fees: 750 docs, 495 processing, 55 servicing, low points, inspection
  • As few as 2 – 3 past recent flips for experience (in order to qualify) rentals count toward qualifying
  • States: in Most States Nationwide

Optimus Capital Emerald Bridge Refinance Program

  • Up to 75% LTV (up to 10% loan amount can be cash out)
  • Rates starting at 8.50
  • Up to 24 month term
  • Renovation funds possible
  • Interest only no prepayment penalty
  • Fees: 750 docs, 495 processing, 55 servicing, low points, inspection
  • As few as 2 – 3 past recent flips for experience (in order to qualify) rentals count toward qualifying
  • States: in Most States Nationwide

Optimus Capital Ruby Nationwide New Construction Program

  • Use: New construction or tear down and build
  • Up to 50% land acquisition cost (if not permitted)
  • Up to 65% land acquisition cost (if permitted)
  • Minimum loan: 75,000
  • 18 month term
  • Rates starting at 9.99%
  • Maximum LTC 75%
  • Maximum completed value LTV 65% in judicial / 70% in non-judicial foreclosure states
  • Interest paid online on what you draw
  • ***Title must be held in entity
  • 1-4 Family Homes, Condominiums,Townhouses (must be infill)
  • Minimum Borrower Fico score: 650
  • Interest only no prepayment penalty
  • Borrower must have new construction or significant flip experience (where title was previously held by borrower)
  • No development loans –
  • This program is a first position lien = one lot + one SFR new build
  • States: in Most States Nationwide

Optimus Capital Emerald Multifamily Program (with Seller Carry 2nd Allowed)

  • Use: Acquisition / refinance / cash out
  • Renovation funds available (up to 100%)
  • Up to 75% LTV (As Is Value)
  • Up to 24 month term (more possible case-by-case)
  • $250,000 minimum loan amount
  • Multifamily 5+ units
  • Rates 9 – 10 on average (case-by-case)
  • U.S. single purpose entity required
  • Must demonstrate current or past evidence of subject asset class
  • Borrower guarantee required
  • Inspection Required
  • States: in Most States Nationwide

Optimus Capital Emerald Commercial Program (with Seller Carry 2nd Allowed)

  • Use: Acquisition or Refinance
  • Renovation funds available (up to 100%)
  • Up to 70% LTV (As Is Value)
  • Up to 24 month term
  • $500,000 minimum loan amount
  • Rates 9 – 10 on average (case-by-case)
  • Seller 2nd possible
  • U.S. entity required
  • Must demonstrate current or past evidence of subject asset class
  • Borrower guarantee required
  • Inspection Required
  • States: in most state nationwide

We are investors for investors, understanding the unique needs of our investor clients. Feel free to fill out the quick app below and tell us a little about yourself and your project that you would like to get funded so that we can match you to the loan product that fits your specific investing needs.

Hard money loans Sacramento available as well.
We can also provide "as-cash" approval letters for your offers.