Hard Money Loans for WISCO REIA Members & Milwaukee REIA Mentoring Students
Exclusive financing terms for real estate investors connected to WISCO REIA 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 REIA members and Milwaukee REIA Mentoring Program students and graduates — real estate investors who've already invested in their education and their network.
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, and a streamlined draw process built around how you already work.
This loan program is ideal for:
- WISCO REIA members ready to fund their next purchase and rehab
- Current students in the Milwaukee REIA Mentoring Program
- Graduates of the Milwaukee REIA Mentoring Program
- Borrowers who value a lending team that understands their program and their goals
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 REIA & Milwaukee REIA Mentoring
Loan Terms
Built specifically for borrowers connected to WISCO REIA and the Milwaukee REIA Mentoring Program, these terms reflect the trust and track record already established through your program.
- Up to 100% Loan-to-Cost (LTC) (Max 70% of ARV)
- Up to 100% Rehab Financing (Max 70% of ARV)
- Rates start at 15% and 3 points
- Pay 0% down at closing
- No income or credit checks—we underwrite based on you and your deal
- Interest-only payments begin on the last day of the first full month of your loan
- Loan terms start at 9 months (extension available)
- Underwriting and repair escrow fees waived
- Payment of points/fees wrapped into loan
WISCO REIA members receive the same rates and benefits as Milwaukee REIA Mentoring 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 REIA member or Milwaukee REIA Mentoring student/graduate. 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 REIA Members & Milwaukee REIA Mentoring Students
- 0% down payment based on 70% of ARV
- Points and fees wrapped into your loan (less cash needed at closing)
- Account Setup, Underwriting, and Repair Escrow fees waived
- A draw process built around your mentoring program or WISCO REIA membership
- 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 REIA members and current students or graduates of the Milwaukee REIA Mentoring Program qualify for these terms.
Do WISCO REIA members and Milwaukee REIA Mentoring students get the same terms?
Yes. WISCO REIA members 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 with mentoring program approval. Graduates may receive up to 10% of their Repair Escrow at closing, with subsequent draws reimbursing documented repair expenses.
What happens after my first 3 loans?
Once you've completed your first 3 loans with RHM, you'll move to our standard Pro or Pro V loan terms based on your track record. See all loan programs.
WISCO REIA & Milwaukee REIA Mentoring Loans for Wisconsin Investors
REIA Hard Money offers exclusive hard money loan terms to WISCO REIA members and Milwaukee REIA Mentoring Program students and graduates. 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.
