Hard Money Loans for WISCO Coaching & Milwaukee REIA Mentoring Students
Exclusive financing terms for real estate investors connected to WISCO Coaching and the Milwaukee REIA Mentoring Program — built to reward the training and relationships you've already put in.
What is this loan program?
This program is designed for WISCO Coaching and Milwaukee REIA Mentoring Program students — real estate investors who are investing in their education and committed to building their real estate connected networks.
Because of that foundation, borrowers in this group qualify for preferred terms not available to standard borrowers:
- 0% down
- Points and fees wrapped into the loan
- A streamlined draw process built around how you already work
Your experience counts. If you've already been active in the field, you may be able to skip straight to our Pro or Pro V terms.
- WISCO and Milwaukee REIA members who can show having completed 3 or more fix and flips (or BRRRRs) in the last 12 months can immediately qualify for Pro Level Status
- WISCO and Milwaukee REIA members doing 4+ fix and flips (or BRRRRs) in the last 12 months can immediately qualify for PRO V Level Status
Get Pre-Approved
Our pre-approval process is fast and easy. We’ll create an account for you in our system so that funding your future deals is quicker and hassle-free. The best part is that when you are pre-approved before getting a deal under contract, we’ll waive your $1000 Account Setup Fee just for planning ahead!
Connect Today
Set Up Your account
You're Pre-Approved!
Want to see what our loans actually look like?
We created a real-world example of a first-time borrower’s hard money loan so you can see how our numbers work, what terms look like, and what you can expect when partnering with us.
WISCO Coaching & Milwaukee REIA Mentoring
Loan Terms
Built specifically for WISCO REIA and the Milwaukee REIA Students, these terms reflect the trust and track record already established through your program.
- Up to 100% Purchase + Rehab Financing (Max 70% of ARV)
- Pay 0% down at closing
- No income or credit checks—we underwrite based on you and your deal
- We pre-fund each stage of the rehab. We are your bank for rehab costs.
- Student rates start at 15% and 3 points
- Payment of points/fees wrapped into loan
- Students only pay one $600 fee (all other borrowers have three $600 fees)
- Interest-only payments begin on the last day of the first full month of your loan
- Student loan term: 9 months (extension available). All other borrowers receive 6-month loan term.
WISCO Coaching students receive the same rates and benefits as Milwaukee REIA Students.
Interested in our cross-collateralization funding opportunities? Learn more about cross-collateralization funding.
Estimate the Cash Needed for Your Next Deal
Use our hard money loan calculator to see how these terms apply to your next project before you apply.
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 let us know you're a WISCO Coaching student or Milwaukee REIA Mentoring student. We'll reach out 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.
Benefits of Borrowing from REIA Hard Money
for WISCO Coaching & Milwaukee REIA Mentoring students
- 0% down payment based on 70% of ARV
- Points and fees wrapped into your loan
- Account Setup, Underwriting, and Repair Escrow fees waived
- A draw process built around your being in one of these coaching programs
- A lending team that already understands your training and your goals
- Up to 3 one-month loan extensions if your project needs more time
Frequently Asked Questions
Who qualifies for this loan program?
WISCO Coaching students and current students of the Milwaukee REIA Mentoring Program qualify for these terms.
Do WISCO Coaching and Milwaukee REIA Mentoring students get the same terms?
Yes. WISCO Coaching students receive the same rates and benefits as Milwaukee REIA Mentoring Students.
How many loans can I get on these terms?
These terms apply to your first 3 loans with REIA Hard Money.
How are repair funds disbursed for students vs. graduates?
Students receive draws in advance upon mentoring program approval. Generally, 10% is disbursed at closing, with three installments of one-third of the remaining funds provided throughout the rehab project (remitted to students in advance of when funds are needed to pay for work).
What happens after my first 3 loans?
Once you complete your first three student loans with RHM, you will move to Pro or Pro V loan terms based on your track record. See all loan programs.
What is the Graduate Loan Program?
An alternative option for program graduates is our Graduate Loan, which is 15% and 3 points, with the caveat being points, fees, and interest payments are rolled into the loan. This loan term is 9 months.
WISCO Coaching & Milwaukee REIA Mentoring Student Hard Money Loans
REIA Hard Money offers exclusive hard money loan terms to WISCO Coaching and Milwaukee REIA Mentoring Program students. Our team helps you fund purchase and rehab costs with fast approvals and terms built around the program you already trust.
Ready to Get Started?
Get pre-approved so you're ready the moment the right deal comes along.
