Hard Money Loans Built for Real Estate Investors
Fast, flexible short-term financing for fix & flip projects, experienced investors, and time-sensitive transactions.
REIA Hard Money is a strategic partner of the Milwaukee REIA, and therefore only lends to members of the Milwaukee REIA. Not a member? Sign up today to get access to REIA Hard Money Loans and receive all of our member-exclusive benefits.
What Are Hard Money Loans?
Hard money loans are short-term, asset-based real estate loans used primarily to acquire, renovate, or transact on investment properties. Unlike traditional bank financing, hard money loans are approved based on the property, deal structure, and exit strategy rather than personal income or employment history.
REIA Hard Money specializes in providing hard money loans tailored specifically to real estate investors.
Hard money loans are ideal for investors who need:
- Speed and certainty of closing
- Financing for distressed or value-add properties
- Short-term capital to execute a defined strategy
Explore Our Hard Money Loan Options
Below are the hard money loan programs available through REIA Hard Money. Each program is designed to meet the needs of different investors and deal types.
Pro Level Hard Money Loans
(Built for Experienced Borrowers)
Designed for experienced real estate investors (5+ deals annually), our Pro Level Hard Money Loans offer flexible, deal-driven financing for those with a proven track record. These loans prioritize speed, leverage, and execution, making them ideal for larger or more complex projects. Underwriting focuses on investor experience, property value, and exit strategy rather than traditional income documentation. This option is best for investors looking to scale efficiently and close quickly.
Standard Borrower Hard Money Loans
(Built for First-Time Borrowers)
Our Standard Borrower Hard Money Loans provide short-term financing to purchase, renovate, and resell investment properties. This program is ideal for new and intermediate investors who want a clear, structured loan designed specifically for fix-and-flip projects. Financing is based on the property’s after-repair value (ARV), renovation scope, and resale strategy—not personal income. These loans help investors move fast while maintaining predictable terms.
How the
Process Works
Step 1: Set Up Your Business LLC
REIA Hard Money does not loan to individuals, so you will need to have your business LLC set up before moving forward with your pre-approval or loan application. Need help? Connect with our strategic partner law firm Zimmer & Rens, or a legal representative of your choice to establish your LLC.
Step 2: Connect and Get Pre-Approved
Click here to connect with our team and we’ll reach out to you and get the ball rolling.
Pro Tip: If you get pre-approved before you have a deal under contract, we’ll waive the $1,000 Account Setup Fee.
Step 3: Complete Account Setup
Our team will assist you with setting up an account on our website. We collect all your business information up front to ensure a faster, smoother closing process when it is time to fund your deals.
Step 4: Submit a Loan Application
Pre-approved borrowers will gain access to our simple online loan application. It’s a one-stop shop where you can easily submit your deal information and upload your contract and other essential documents so we can move forward quickly. We aim for repeat business, so our system makes it easy for you to count on us for every deal.
Step 5: Due Diligence, Underwriting & Loan Commitment
Our third-party appraisal experts will swiftly evaluate your deal, taking into account factors such as After Repair Value (ARV) and exit strategy to determine if it aligns with our criteria for loan approval. We’ll send you a loan commitment for your approval outlining all amounts, rates, and terms for your loan.
Step 6: Close & Start Your Project
We’ll disburse the funds required to secure your property at closing. We are also able to fund the cost of repairs to support the success of your project.
Why REIA Hard Money?
Fast Loan Commitment
Our in-house team reviews each deal efficiently, so you’re never left waiting on a decision. We know that speed can make or break a deal—and we’re committed to helping you move fast and close with confidence.
Competitive Rates
We offer rates as low as 12% and 4 points, with no hidden fees or surprise closing costs.
Simple Application Process
We’ve designed the form to be user-friendly and straightforward, so you can spend less time on paperwork and more time on deals. And if you ever have questions, our team is just a quick call or email away to help guide you through it.
Live and Local
Lending Support
We currently lend within a 100-mile radius of the Greater Milwaukee Area and have a deep, expert-level understanding of the local real estate market. Our team lives and works here, so we’re truly invested in your success.
Fully Transparent
Process
We keep the process fully transparent so there are no questions when it comes to your loan terms. We use a licensed 3rd Party appraiser to assess your ARV. We do this to protect us, our investors, and YOU.
Long-Term
Partnership
More than just a lender, we strive to be the support you need as a long-term financial partner. We want to build long term relationships with borrowers who we can grow with.
Frequently Asked Questions
Do hard money loans require income verification?
No. Hard money loans are primarily underwritten based on the property and exit strategy.
How fast can hard money loans close?
Closings can often occur much faster than traditional bank loans, depending on deal readiness.
Are hard money loans only for experienced investors?
Funds are released through a draw process as renovation milestones are completed.
Are hard money loans available in Milwaukee?
Yes. REIA Hard Money provides hard money loans throughout Milwaukee and Southeast Wisconsin.
Hard Money Loans for Real Estate Investors
REIA Hard Money offers hard money loans for real estate investors in Milwaukee and Southeast Wisconsin. Our short-term financing solutions support fix-and-flip projects, experienced investors, and transactional real estate deals.
Ready to Move Fast on Your Next Deal?
Get the short-term financing you need to close with confidence.
