Common questions, straight answers.

We can close in as little as 1–2 days in select markets, once we have everything we need. If you’ve got a clean deal and respond quickly, we move even faster. Our underwriting is designed for real investors — not slow banks — so you can lock up deals without losing your edge.

Just submit your deal through our quick online form. We’ll need the property address, purchase price, rehab budget (if applicable), and your exit strategy. That’s it. Once we review, we can issue a term sheet fast.

Probably, yes. We don’t have a minimum FICO like banks do. Our loans are based on the property’s value and your game plan for it, more than your personal credit. We won’t make you jump through the usual hoops — no tax returns or W-2s required. As long as the deal looks solid and you can invest a bit of your own cash, there’s a good chance we can work together. Many of our clients come to us specifically because the bank said no or couldn’t close in time; we strive to find a way to say yes.

Our rates typically range from 9.9–12.9% (annualized) for short-term loans, with origination points paid at closing. While that’s higher than a conventional mortgage, remember: this is short-term, quick capital designed to make you money. There are no junk fees or surprise charges. We never charge any big upfront fees just to consider your loan — beware any “lender” who does. We only get paid when your deal closes. There’s no prepayment penalty either, so if you finish your project early or refinance out, you can pay us off with no extra cost. We make money when you make money, and we keep our fees transparent and fair.

We specialize in short-term hard money loans (generally 6–18 months) for acquisitions, flips, and bridge situations. We don’t directly underwrite 30-year DSCR rental loans, but we work closely with lending partners who do. If you need a long-term hold loan that qualifies on the property’s cash flow, tell us about the deal and we’ll connect you with the right DSCR lender. Many of our borrowers use DayOne to acquire and renovate, then refinance into a DSCR loan through our partner network. We’ll help you through both sides of that process.

Single-family and multi-family properties across Ohio, statewide. Ohio is our primary market — we know the neighborhoods, the comps, and the investors working in them. That local focus is part of what makes us different.

Yes. If the numbers are strong and you have a clear plan, we’ll work with you. We’d rather back a first-time investor with a solid deal than pass on it because of a resume. We’ll give you honest feedback on the deal either way — whether we fund it or not.

Typically, no. Most of our deals don’t require a full appraisal — we handle valuation in-house to keep things moving. Some situations may call for one, but we’ll let you know upfront so there are no surprises.

We lend up to 90% LTC — and in some cases up to 92% — on fix & flip and bridge deals with strong fundamentals. On an as-is basis, we’ll go up to 75% LTV. Every deal is underwritten individually, so the exact terms depend on the property, the plan, and the exit strategy.

We review the deal — purchase price, rehab scope, and exit strategy — and align on structure. We’ll confirm the key details, request anything missing, and outline how the deal could be financed. If it fits, we move fast: next steps same day or within 24 hours. No obligation, no hard credit pull, no pressure.

Hard money is the broader category — it’s any private, asset-based loan where the property is the primary collateral, not your income or credit score. A bridge loan is a specific type of hard money loan used to bridge a gap between two transactions — like buying your next property before selling or refinancing the current one. All bridge loans are hard money, but not all hard money loans are bridges. We offer both, and we’ll help you figure out which structure fits your deal.